4323 E Lone Cactus Dr, Phoenix, AZ 85050 Property Records

Maricopa County property record for 4323 E Lone Cactus Dr, Phoenix, AZ 85050

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,045 sqft · built 1996
Lot Size	0.114 acres (4,959 sqft)
Owner	2 Individual Names on File
Last Sale	$591,000 (Jun 2021)
Tax Bill	$3,058 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`212-34-479`

Property Details

APN / Parcel Number

Primary APN	`212-34-479`
Alternative APN	`212344791`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,045 sqft Living Area
Gross Area	2,165 sqft
1st Floor Area	1,038 sqft
2nd Floor Area	1,007 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood Frame
Construction Type	Frame
Roof Material	Concrete
Lot Area	4,959 sqft (0.114 acres)
Parking Spaces	2 Parking Spaces
Pool Area	346 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4323 E LONE CACTUS DR
City	PHOENIX
State	AZ
Zip	85050-6889
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-L
Legal Description	DESERT RIDGE PARCEL 7.9 MCR 403-14
Legal Range	4E
Legal Township	4N
Legal Section	19
Legal Subdivision	DESERT RIDGE PARCEL 7.9
Legal Lot Number	554
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1007
Census Tract	615100

Owner

4323 E Lone Cactus Dr is owned and occupied by two individuals who bought it in June 2021.

Source: Maricopa County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit LOAN STORE
Aug 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage ARIZONA BANK & TRUST
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 4, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	Aug 4, 2017 · Amount on File
Deed Document Number	2021695208
Prior Transfer Date	Apr 23, 2019
Prior Transfer Doc	0000312811
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Aug 12, 2026
Property Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889
Document Number	0000475741
Instrument Date	Aug 6, 2026
Instrument	2026475741
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889

Mortgage

Document Number	0000475741,
Date	Aug 12, 2026
Instrument	2026475741

Lender

Name	LOAN STORE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889

Mortgage

Document Number	0000448975
Date	Aug 28, 2023
Instrument	20230448975

Lender

Name	ARIZONA BANK & TRUST
Type	Bank
Address	CHANDLER, AZ 85226

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 24, 2021
Property Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889
Document Number	0000695208
Map Reference	MB 403 PG 14
Instrument Date	Jun 21, 2021
Instrument	20210695208
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC 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	4323 E LONE CACTUS DR, 4323, PHOENIX, AZ 85050-6889

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889

Mortgage

Document Number	0000695209
Date	Jun 24, 2021
Instrument	20210695209

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	May 1, 2019
Property Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889
Document Number	0000312811
Map Reference	MB 403 PG 14
Instrument Date	Apr 23, 2019
Instrument	20190312811
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PIONEER TITLE AGENCY INC

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	Joint Tenants with Right of Survivorship
Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889

Mortgage

Document Number	0000312812
Date	May 1, 2019
Instrument	20190312812

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 4, 2017
Property Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889
Document Number	0000572984
Map Reference	MB 403 PG 14
Instrument Date	Jul 19, 2017
Instrument	2017-0572984
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST ARIZONA TITLE AGENCY L

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	4323 E LONE CACTUS DR, 4323, PHOENIX, AZ 85050-6889

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4323 E LONE CACTUS DR, PHOENIX, AZ 85050-6889

Mortgage

Document Number	0000572985
Date	Aug 4, 2017
Instrument	2017-0572985

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4323 E Lone Cactus Dr was $3,058.

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	Paradise Valley Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,580 (+65.86%)	$585,800 (+2.93%) Land $117,100 Building $468,700
2025	$3,058.00	$35,318 (-35.86%)	$569,100 (+3.36%) Land $113,800 Building $455,300
2024		$55,060	$550,600 Land $110,100 Building $440,500
2023	$2,911.00

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 4323 E Lone Cactus Dr 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

The area around 4323 E Lone Cactus Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 533 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

Nearby Properties on E Lone Cactus Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures