4165 S Pack Saddle, Flagstaff, AZ 86005 Property Records

Coconino County property record for 4165 S Pack Saddle, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	3,482 sqft · built 2015
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$1,600,000 (Dec 2023)
Tax Bill	$5,859 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`116-58-292`

Property Details

APN / Parcel Number

Primary APN	`116-58-292`
Alternative APN	`R0095780`

Interior

Stories	2 Stories
Building Area	3,482 sqft Living Area

Exterior

Year Built	Built 2015
Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Account Number	R0095780
Street Address	4165 S PACK SADDLE
City	FLAGSTAFF
State	AZ
Zip	86005-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: ASPEN SHADOWS AM LOT: 54 SIXTEENTH: NE QUARTER: NW SECTION: 25 TOWNSHIP: 21N RANGE: 06E SIXTEENTH: NW QUARTER: N
Legal Range	06E
Legal Township	21N
Legal Section	25
Legal Subdivision	ASPEN SHADOWS AM
Legal Lot Number	54
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1034
Census Tract	2201

Owner

4165 S Pack Saddle is owned by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8 RUE DU PALAIS CT, HENDERSON, NV 89011-2009
Owner Type	Individual

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
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Jul 15, 2020	Warranty Deed, Transfer CLEAR TITLE AGENCY/FLAGSTAFF, CLEAR TITLE AGCY/FLAGSTAFF

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Prior Sale	Jul 15, 2020 · Amount on File
Deed Document Number	3986988
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Dec 18, 2023
Property Address	4165 S PACK SADDLE, FLAGSTAFF, AZ 86005-2312
Document Number	0003986988
Map Reference	CASE 8 MAP 77-77A
Instrument Date	Dec 12, 2023
Instrument	3986988
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	ARIZONA RESEARCH AND TITLE AGENCY, ARIZONA BROKERS TITLE AGENCY

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	20070 N 95TH ST, SCOTTSDALE, AZ 85255-5583

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8 RUE DU PALAIS CT, HENDERSON, NV 89011-2009

Mortgage

Document Number	0003986989
Date	Dec 18, 2023
Instrument	3986989

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Margin	3
Max Rate	12.5%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Jul 15, 2020
Property Address	4165 S PACK SADDLE, FLAGSTAFF, AZ 86005-2312
Document Number	0003879348
Instrument Date	Jul 7, 2020
Instrument	3879348
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	CLEAR TITLE AGENCY/FLAGSTAFF, CLEAR TITLE AGCY/FLAGSTAFF

Transaction

Amount	Amount on Record
Tax	$995.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20070 N 95TH ST SCOTTSDALE AZ 852555583, SCOTTSDALE, AZ 85255-5583

Tax Assessment & Valuation

The 2025 property tax bill for 4165 S Pack Saddle was $5,859.

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		$139,388 Land $24,014 Building $115,374
2025	$5,859.00		$1,393,886 Land $240,144 Building $1,153,742
2024		$125,899 Land $20,792 Building $105,107
2023	$5,715.00		$1,258,982 Land $207,917 Building $1,051,065

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 4165 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 4165 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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