Gila County property record for 449 W Oxbow Trl, Payson, AZ 85541
| Property Type | Rural Home |
|---|---|
| Details | 1,392 sqft · built 1986 |
| Lot Size | 1.38 acres (60,113 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $2,566 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone D (undetermined) |
| APN | 304-24-003C |
| Primary APN | 304-24-003C |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 696 sqft |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asbestos |
| Lot Area | 60,113 sqft (1.38 acres) |
| Porch | Porch |
| Porch Area | 208 sqft |
| Patio Area | 294 sqft |
| Cooling System | None |
|---|
| Account Number | R032409 |
|---|---|
| Street Address | 449 W OXBOW TRL |
| City | PAYSON |
| State | AZ |
| Zip | 85541-2749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | SECTION: 28 TOWNSHIP: 10N RANGE: 10E LOT 3 OF OXBOW ESTATES OF PLAT 290 EXC EAST 118.0' AND EXC SOUTH 176.0' AND EXC WEST |
| Legal Range | 10E |
| Legal Township | 10N |
| Legal Section | 28 |
| Legal Subdivision | OXBOW ESTATES |
| Legal Lot Number | 3 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 302 |
Source: Gila County records, as of December 4, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 449 W OXBOW TRL, PAYSON, AZ 85541-2749 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Apr 26, 2024 | Deed of Trust, Mortgage COPPER STATE CU |
| Feb 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COPPER STATE CU |
| Apr 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CANYON ST CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2011 |
| Deed Sale | Feb 22, 2011 |
| Prior Sale | Feb 18, 2011 |
| Deed Document Number | 2011001964 |
| Deed Book / Page | 2011001 / 964 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 449 W OXBOW TRL, PAYSON, AZ 85541-2749 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 449 W OXBOW TRL WW, WW, PAYSON, AZ 85541-2749 |
| Document Number | 0000003554 |
|---|---|
| Date | Apr 26, 2024 |
| Instrument | 2024-003554 |
| Name | COPPER STATE CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85053 |
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | May 10, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 449 W OXBOW TRL, PAYSON, AZ 85541-2749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|
| Document Number | 0000001379 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 2021-001379 |
| Name | COPPER STATE CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85053 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 449 W OXBOW TRL, PAYSON, AZ 85541-2749 |
| Document Number | 0000004570 |
| Instrument Date | Apr 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 449 W OXBOW TRL PAYSON AZ 855412749, PAYSON, AZ 85541-2749 |
| Document Number | 0000004570 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 4570 |
| Name | CANYON ST CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2049 |
Source: Gila County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Gila County |
| Unified School District | Payson Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $36,607 (+1.6%) Land $9,810 Building $26,797 | $366,066 (+1.6%) Land $98,100 Building $267,966 | |
| 2025 | $2,566.00 (+13.44%) | ||
| 2024 | $36,029 Land $10,913 Building $25,116 | $360,291 Land $109,129 Building $251,162 | |
| 2023 | $2,262.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 89% of the US · above 84% of Arizona |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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