4225 E Montgomery Rd, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 4225 E Montgomery Rd, Cave Creek, AZ 85331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,564 sqft · built 1993
Lot Size	0.185 acres (8,070 sqft)
Owner	2 Individual Names on File
Last Sale	$548,000 (Jun 2024)
Tax Bill	$1,297 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`211-62-705`

Property Details

APN / Parcel Number

Primary APN	`211-62-705`
Alternative APN	`211627052`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,564 sqft Living Area
Gross Area	1,784 sqft
1st Floor Area	1,564 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	8,070 sqft (0.185 acres)
Parking Spaces	2 Parking Spaces
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4225 E MONTGOMERY RD
City	CAVE CREEK
State	AZ
Zip	85331-7863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	TATUM RANCH PARCEL 13 LOT 1-84 MCR 345-20
Legal Range	4E
Legal Township	5N
Legal Section	19
Legal Subdivision	TATUM RANCH PARCEL 13 LOT 1-84
Legal Lot Number	17
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	1
Census Block	1015
Census Tract	612600

Owner

4225 E Montgomery Rd is owned by two individuals who bought it in June 2024.

Source: Maricopa County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15555 N FRANK LLOYD WRIGHT BLVD, 3017, SCOTTSDALE, AZ 85260-2036
Owner Type	Individual
Vesting	Community Property

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
May 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Feb 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Mar 31, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2024 · Amount on File
Deed Sale	Jun 6, 2024 · Amount on File
Prior Sale	Mar 31, 2020 · Amount on File
Deed Document Number	2024302662
Prior Transfer Date	Jul 27, 1995
Prior Transfer Doc	0000451320
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863

Mortgage

Document Number	0000263466
Date	May 22, 2023
Instrument	20230263466

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863

Mortgage

Document Number	0000006807
Date	Jan 4, 2022
Instrument	20220006807

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company
Address	TUCSON, AZ 85711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863

Mortgage

Document Number	0000059496
Date	Feb 2, 2026
Instrument	20260059496

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 31, 2020
Property Address	4225 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7863
Document Number	0000275098
Instrument Date	Feb 25, 2020
Instrument	275098
Transaction Type	Transfer
Record Updated	Apr 10, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 E MONTGOMERY RD CAVE CREEK AZ 853317863, CAVE CREEK, AZ 85331-7863

Mortgage

Document Number	275099
Date	Mar 31, 2020
Instrument	275099

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4225 E Montgomery Rd was $1,297.

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Unified School District	Cave Creek Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,170 (+65.02%)	$441,700 (+1.96%) Land $88,300 Building $353,400
2025	$1,297.00	$26,767 (-41.85%)	$433,200 (-5.89%) Land $86,600 Building $346,600
2024		$46,030	$460,300 Land $92,000 Building $368,300
2023	$1,478.00

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 4225 E Montgomery Rd in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 4225 E Montgomery Rd is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 61% of Arizona
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF PHOENIX serves 1,695,000 people · EPA ID AZ0407025
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 679 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
AirFiber WISP Fixed Wireless	1,000 / 500
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mojo Broadband, Verizon.

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