4516 E Lone Cactus Dr, Phoenix, AZ 85050 Property Records

Maricopa County property record for 4516 E Lone Cactus Dr, Phoenix, AZ 85050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,962 sqft · built 1998
Lot Size	0.131 acres (5,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Oct 2016)
Tax Bill	$2,849 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`212-34-661`

Property Details

APN / Parcel Number

Primary APN	`212-34-661`
Alternative APN	`212346617`

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	1,962 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	1,962 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	5,708 sqft (0.131 acres)
Parking Spaces	2 Parking Spaces
Pool Area	275 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4516 E LONE CACTUS DR
City	PHOENIX
State	AZ
Zip	85050-6931
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 Range	4E
Legal Township	4N
Legal Section	19
Legal Subdivision	DESERT RIDGE PARCEL 7.6
Legal Lot Number	503
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1009
Census Tract	615100

Owner

Source: Maricopa County records, as of June 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4516 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2016 · Amount on Record
Deed Sale	Oct 12, 2016 · Amount on Record
Prior Sale	Oct 18, 2011 · Amount on Record
Deed Document Number	2016749677
Last Transfer Date	Sep 17, 2018
Transfer Doc	0000698875
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4516 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4516 E LONE CACTUS DR, PHOENIX, AZ 85050-6931

Mortgage

Document Number	0000789267
Date	Oct 20, 2022
Instrument	20220789267

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 18, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4516 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4516 E LONE CACTUS DR, PHOENIX, AZ 85050-6931

Mortgage

Document Number	0000362046
Date	Apr 25, 2022
Instrument	20220362046

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4516 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421185
Date	May 18, 2020
Instrument	20200421185

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

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

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		$61,530 (+66.17%)	$615,300 (+2.72%) Land $123,000 Building $492,300
2025	$2,849.00 (-6.65%)	$37,029 (-36.39%)	$599,000 (+2.9%) Land $119,800 Building $479,200
2024		$58,210	$582,100 Land $116,400 Building $465,700
2023	$3,052.00

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	Low lower than 99.1% of the US · lower than 99.8% of Arizona
Wildfire Likelihood	Under 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 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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