4407 E Lone Cactus Dr, Phoenix, AZ 85050 Property Records

Maricopa County property record for 4407 E Lone Cactus Dr, Phoenix, AZ 85050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,958 sqft · built 1997
Lot Size	0.216 acres (9,427 sqft)
Owner	Company Name on Record
Last Sale	$399,900 (Nov 2016)
Tax Bill	$3,355 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2021 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`212-34-647`

Property Details

APN / Parcel Number

Primary APN	`212-34-647`
Alternative APN	`212346478`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,958 sqft Living Area
Gross Area	2,178 sqft
1st Floor Area	1,958 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	9,427 sqft (0.216 acres)
Parking Spaces	2 Parking Spaces
Pool Area	365 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4407 E LONE CACTUS DR
City	PHOENIX
State	AZ
Zip	85050-6932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-L
Legal Description	DESERT RIDGE PARCEL 7.6 MCR 403-15
Legal Subdivision	DESERT RIDGE PARCEL 7.6
Legal Lot Number	489
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1008
Census Tract	615100

Owner

Source: Maricopa County records, as of April 27, 2026

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
Mailing Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit WEST FINANCIAL CREDIT UNION
Mar 30, 2021	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Sep 14, 2020	Quit Claim Deed, Transfer EMPIRE W TITLE AGENCY
Sep 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Feb 7, 2020	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2016 · Amount on Record
Deed Sale	Nov 2, 2016 · Amount on Record
Prior Sale	Oct 31, 2003 · Amount on Record
Deed Document Number	2016807900
Last Transfer Date	Sep 3, 2020
Transfer Doc	0000853993
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Apr 20, 2026
Property Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932
Document Number	0000231626
Instrument Date	Apr 14, 2026
Instrument	2026231626
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212

Mortgage

Document Number	0000231626,
Date	Apr 20, 2026
Instrument	2026231626

Lender

Name	WEST FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000351052
Date	Mar 30, 2021
Instrument	20210351052

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 14, 2020
Property Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932
Document Number	0000853995
Instrument Date	Sep 3, 2020
Instrument	853995
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	EMPIRE W TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4407 E LONE CACTUS DR PHOENIX AZ 850506932, PHOENIX, AZ 85050-6932

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Sep 14, 2020
Property Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932
Document Number	0000853993
Map Reference	MB 403 PG 15
Instrument Date	Sep 3, 2020
Instrument	20200853993
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	EMPIRE WEST TITLE AGENCY LLC

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	Community Property with Right of Survivorship
Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932

Mortgage

Document Number	0000853994
Date	Sep 14, 2020
Instrument	20200853994

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

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

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Feb 7, 2020
Property Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932
Document Number	0000108516
Map Reference	MB 403 PG 15
Instrument Date	Jan 31, 2020
Instrument	20200108516
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ACCOMMODATION

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
Address	4407 E LONE CACTUS DR, PHOENIX, AZ 85050-6932

Tax Assessment & Valuation

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		$66,430 (+71.65%)	$664,300 (+2.8%) Land $132,800 Building $531,500
2025	$3,355.00 (+5.17%)	$38,700 (-38.2%)	$646,200 (+3.19%) Land $129,200 Building $517,000
2024		$62,620	$626,200 Land $125,200 Building $501,000
2023	$3,190.00

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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