4346 E Lone Cactus Dr, Phoenix, AZ 85050 Property Records

Maricopa County property record for 4346 E Lone Cactus Dr, Phoenix, AZ 85050

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,474 sqft · built 1996
Lot Size	0.112 acres (4,912 sqft)
Owner	Company Name on Record
Last Sale	$420,000 (Jul 2018)
Tax Bill	$3,399 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`212-34-499`

Property Details

APN / Parcel Number

Primary APN	`212-34-499`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,474 sqft Living Area
1st Floor Area	1,176 sqft
2nd Floor Area	1,298 sqft

Exterior

Year Built	Built 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	4,912 sqft (0.112 acres)
Parking Spaces	2 Parking Spaces
Pool Area	350 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4346 E LONE CACTUS DR
City	PHOENIX
State	AZ
Zip	85050-6890
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	04E
Legal Township	04N
Legal Section	19
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	DESERT RIDGE PARCEL 7.9
Legal Lot Number	574
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1000
Census Tract	615100

Owner

Source: Maricopa County records, as of November 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	4346 E LONE CACTUS DR, PHOENIX, AZ 85050-6890
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jul 10, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Prior Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	0000522771
Last Transfer Date	Aug 12, 2025
Transfer Doc	0000464017
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4346 E LONE CACTUS DR, PHOENIX, AZ 85050-6890
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000625733
Date	Jul 14, 2020
Instrument	20200625733

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4346 E LONE CACTUS DR, PHOENIX, AZ 85050-6890
Document Number	0000358311
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4346 E LONE CACTUS DR PHOENIX AZ 850506890, PHOENIX, AZ 85050-6890

Mortgage

Document Number	0000358311
Date	May 16, 2019
Instrument	358311

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 10, 2018
Property Address	4346 E LONE CACTUS DR, PHOENIX, AZ 85050-6890
Document Number	0000522771
Map Reference	MB 403 PG 14
Instrument Date	Jul 2, 2018
Instrument	20180522771
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE AGENCY INC

Transaction

Amount	Amount Recorded
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	4346 E LONE CACTUS DR, 4346, PHOENIX, AZ 85050-6890

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4346 E LONE CACTUS DR, PHOENIX, AZ 85050-6890

Mortgage

Document Number	0000522772
Date	Jul 10, 2018
Instrument	20180522772

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of January 1, 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		$63,970 (+6.71%)	$639,700 (+6.71%) Land $127,900 Building $511,800
2025	$3,399.00 (+5.36%)
2024		$59,950	$599,500 Land $119,900 Building $479,600
2023	$3,226.00

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

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

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.

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