4140 S Pack Saddle, Flagstaff, AZ 86005 Property Records

Coconino County property record for 4140 S Pack Saddle, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	2,411 sqft · built 2017
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Trust Names on File
Last Sale	$1,210,000 (Jan 2023)
Tax Bill	$4,231 (2025)
Deeds & Mortgages	Jan 2023 Sale Apr 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`116-58-296`

Property Details

APN / Parcel Number

Primary APN	`116-58-296`
Alternative APN	`R0106960`

Interior

Stories	1 Story
Building Area	2,411 sqft Living Area

Exterior

Year Built	Built 2017
Lot Area	9,583 sqft (0.219 acres)

Location & Zoning

Account Number	R0106960
Street Address	4140 S PACK SADDLE
City	FLAGSTAFF
State	AZ
Zip	86005-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: ASPEN SHADOWS AM LOT: 58 SIXTEENTH: NW QUARTER: NW SECTION: 25 TOWNSHIP: 21N RANGE: 06E
Legal Range	06E
Legal Township	21N
Legal Section	25
Legal Subdivision	ASPEN SHADOWS AM
Legal Lot Number	58
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1034
Census Tract	2201

Owner

4140 S Pack Saddle is owner-occupied and held in a trust since January 2023.

Source: Coconino County records, as of November 5, 2025

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	241 W ROYAL PALM RD, PHOENIX, AZ 85021-5649
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Warranty Deed, Transfer ARIZONA BROKERA TITLE AGENCY
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUBURBAN MORTGAGE INC
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUBURBAN MORTGAGE INC
Aug 24, 2021	Intrafamily Transfer, Transfer
Aug 24, 2021	Intrafamily Transfer, Transfer
Oct 13, 2017	Special Warranty Deed, Transfer · Commercial Mortgage TCF NATIONAL BANK
Feb 28, 2017	Grant Deed, Transfer PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 6, 2023 · Amount on File
Deed Sale	Jan 6, 2023 · Amount on File
Prior Sale	Aug 24, 2021
Deed Document Number	3966870
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Jan 6, 2023
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0003966870
Map Reference	CASE 8 MAP 77&77A
Instrument Date	Jan 3, 2023
Instrument	3966870
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ARIZONA BROKERA TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5930 W LOUISE DR, GLENDALE, AZ 85310-7271

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003869546
Date	Apr 2, 2020
Instrument	3869546

Lender

Name	SUBURBAN MORTGAGE INC
Type	Mortgage Company
Address	PHOENIX, AZ 85020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	DHI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003895213
Date	Nov 16, 2020
Instrument	3895213

Lender

Name	SUBURBAN MORTGAGE INC
Type	Mortgage Company
Address	PHOENIX, AZ 85020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	Aug 24, 2021
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0003926136
Instrument Date	Aug 10, 2021
Instrument	3926136
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5930 W LOUISE DR, GLENDALE, AZ 85310-7271

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	Aug 24, 2021
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0003926135
Instrument Date	Aug 10, 2021
Instrument	3926135
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5930 W LOUISE DR, GLENDALE, AZ 85310-7271
Investor	Possibly a Property Investor

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Oct 13, 2017
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0003798672
Map Reference	CASE8 MAP77-77A
Instrument Date	Sep 12, 2017
Instrument	3798672
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3605 S FLAGSTAFF RANCH RD, 3605, FLAGSTAFF, AZ 86005-2425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5930 W LOUISE DR, GLENDALE, AZ 85310-7271
Investor	Possibly a Property Investor

Mortgage

Document Number	0003798674
Date	Oct 13, 2017
Instrument	3798674

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0003798673
Date	Oct 13, 2017
Instrument	3798673

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COCONINO AZ
Recording Date	Feb 28, 2017
Property Address	4140 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0003778293
Instrument Date	Feb 24, 2017
Instrument	3778293
Transaction Type	Transfer
Record Updated	May 15, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$85.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3605 S FLAGSTAFF RANCH RD FLAGSTAFF AZ 860052425, FLAGSTAFF, AZ 86005-2425

Tax Assessment & Valuation

The 2025 property tax bill for 4140 S Pack Saddle was $4,231 with a homeowner's exemption.

Source: Coconino County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$106,229 Land $24,014 Building $82,215
2025	$4,231.00 Homeowner's exemption		$1,062,291 Land $240,144 Building $822,147
2024		$109,728 Land $20,792 Building $88,936
2023	$4,112.00 Homeowner's exemption		$1,097,278 Land $207,917 Building $889,361

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4140 S Pack Saddle in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4140 S Pack Saddle is very high, ranking above 94% of the US, with a 2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 94% of the US · above 92% of Arizona
Wildfire Likelihood	2% annual chance
Exposure	None beyond ember reach

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CS FLAGSTAFF RANCH WATER COMPANY public/private · serves 350 people · EPA ID AZ0403088
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Arsenic resolved · Jul 2018
Treatment and Procedure	Coliform assessment currently in violation since Dec 2023 Sanitary survey deficiency not corrected Sep 2019
Monitoring and Reporting	18 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bluespan Wireless.

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