4160 S Pack Saddle, Flagstaff, AZ 86005 Property Records

Coconino County property record for 4160 S Pack Saddle, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	2,843 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	Trust Name on File
Last Sale	$600,000 (May 2015)
Tax Bill	$3,511 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit Feb 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`116-58-295`

Property Details

APN / Parcel Number

Primary APN	`116-58-295`
Alternative APN	`R0106959`

Interior

Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,843 sqft Living Area
1st Floor Area	1,421 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Wood
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	646 sqft
Patio Area	558 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air

Location & Zoning

Account Number	R0106959
Street Address	4160 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: 57 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	57
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1034
Census Tract	2201

Owner

4160 S Pack Saddle is owner-occupied and held in a trust since February 2026.

Source: Coconino County records, as of March 16, 2026

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
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
Mar 5, 2025	Deed of Trust, Mortgage · Line of Credit ONEAZ CU
Feb 26, 2026	Intrafamily Transfer, Transfer
Feb 26, 2026	Intrafamily Transfer, Transfer
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Feb 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HILTON FIN'L

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 20, 2015 · Amount on File
Deed Sale	May 20, 2015 · Amount on File
Prior Sale	May 20, 2015 · Amount on File
Deed Document Number	0003721702
Last Transfer Date	Feb 26, 2026
Transfer Doc	0004034282
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311

Mortgage

Document Number	0004012747
Date	Mar 5, 2025
Instrument	4012747

Lender

Name	ONEAZ CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 4, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	Feb 26, 2026
Property Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0004034282
Map Reference	DOC 3162694
Instrument Date	Feb 26, 2026
Instrument	4034282
Transaction Type	Transfer
Record Updated	Mar 16, 2026

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 Living Trust
Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	Feb 26, 2026
Property Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0004034282
Map Reference	DOC 3162694
Instrument Date	Feb 26, 2026
Instrument	4034282
Transaction Type	Transfer
Record Updated	Mar 17, 2026

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 Living Trust
Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	CLEAR TITLE AGENCY OF ARIZON

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003900385
Date	Dec 30, 2020
Instrument	3900385

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4160 S PACK SADDLE, FLAGSTAFF, AZ 86005-2311
Document Number	0003865482
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3543 S 157TH WAY GILBERT AZ 852972035, GILBERT, AZ 85297-2035

Mortgage

Document Number	0003865482
Date	Feb 14, 2020
Instrument	3865482

Lender

Name	HILTON FIN'L
Type	Funding / Finance Company
Address	PHOENIX, AZ 85029

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4160 S Pack Saddle was $3,511 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		$125,554 Land $24,014 Building $101,540
2025	$3,511.00 Homeowner's exemption		$1,255,547 Land $240,144 Building $1,015,403
2024		$113,733 Land $20,792 Building $92,941
2023	$3,409.00 Homeowner's exemption		$1,137,330 Land $207,917 Building $929,413

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 4160 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 4160 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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