4355 E Montgomery Rd, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 4355 E Montgomery Rd, Cave Creek, AZ 85331

Property Summary

Property Type	Rural Home
Details	3 ba · 1,811 sqft · built 1993
Lot Size	0.183 acres (8,008 sqft)
Owner	2 Owner Names on File
Last Sale	$139,965 (Oct 1993)
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Sep 2018 Reverse Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`211-62-721`

Property Details

APN / Parcel Number

Primary APN	`211-62-721`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,811 sqft Living Area
1st Floor Area	1,811 sqft

Exterior

Year Built	Built 1993
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	8,008 sqft (0.183 acres)
Parking Spaces	3 Parking Spaces
Pool Area	400 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4355 E MONTGOMERY RD
City	CAVE CREEK
State	AZ
Zip	85331-7872
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1-6
Legal Description	TATUM RANCH PARCEL 13 MCR 345-20
Legal Range	04E
Legal Township	05N
Legal Section	19
Legal Quarter	NE
Quarter-Quarter Section	SW
Legal Subdivision	TATUM RANCH PARCEL 13 LOT 1-84
Legal Lot Number	33
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	1
Census Block	1014
Census Tract	612600

Owner

The current owner of 4355 E Montgomery Rd bought it in October 1993.

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

Owner of Record	2 Owner Names on File
Mailing Address	4355 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7872
Occupancy	Owner Occupied

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 22, 2022	Deed of Trust, Mortgage · Reverse Mortgage V I P MORTGAGE INC
Sep 28, 2018	Deed of Trust, Mortgage · Reverse Mortgage V I P MORTGAGE INC
Sep 24, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 1993 · Amount on File
Deed Sale	Oct 29, 1993 · Amount on File
Deed Document Number	19930741466
Deed Book / Page	211
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4355 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7872
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4355 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7872

Mortgage

Document Number	0000255055
Date	Mar 22, 2022
Instrument	20220255055

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	963 Months
Due	Jun 19, 2102

Interest

Rate Type	Adjustable Rate
Rate	3.77%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.77%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4355 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7872
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000731991
Date	Sep 28, 2018
Instrument	20180731991

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4355 E MONTGOMERY RD, CAVE CREEK, AZ 85331-7872
Document Number	0000731992
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4355 E MONTGOMERY RD CAVE CREEK AZ 853317872, CAVE CREEK, AZ 85331-7872

Mortgage

Document Number	0000731992
Date	Sep 28, 2018
Instrument	731992

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 4355 E Montgomery Rd was $1,909.

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	Cave Creek Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,870	$508,700 Land $101,700 Building $407,000
2025	$1,909.00
2024		$52,880	$528,800 Land $105,700 Building $423,100
2023	$1,780.00

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 4355 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 4355 E Montgomery Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 87% of Arizona
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 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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