4520 E Lone Cactus Dr, Phoenix, AZ 85050 Property Records

Maricopa County property record for 4520 E Lone Cactus Dr, Phoenix, AZ 85050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,288 sqft · built 1997
Lot Size	0.18 acres (7,830 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Jan 2026)
Tax Bill	$2,062 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`212-34-662`

Property Details

APN / Parcel Number

Primary APN	`212-34-662`
Alternative APN	`212346624`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1,390 sqft
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	7,830 sqft (0.18 acres)
View / Lot	Corner
Parking Spaces	2 Parking Spaces
Pool Area	325 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	4520 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 Subdivision	DESERT RIDGE PARCEL 7.6
Legal Lot Number	504
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1009
Census Tract	615100

Owner

Source: Maricopa County records, as of January 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
May 28, 2021	Special Warranty Deed, Transfer · Conventional Mortgage EQUITABLE HOME MORTGAGE INC
Apr 22, 2020	Grant Deed, Transfer PROFESSIONAL ESCROW RSRCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	Nov 3, 2022 · Amount on Record
Deed Document Number	20261781
Prior Transfer Date	Nov 5, 2007
Prior Transfer Doc	0001202327
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 2, 2026
Property Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Document Number	0000001781
Map Reference	MB 403 PG 15
Instrument Date	Dec 26, 2025
Instrument	20260001781
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE AGENCY

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	24064 N 72ND PL, SCOTTSDALE, AZ 85255-6114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931

Mortgage

Document Number	0000001782
Date	Jan 2, 2026
Instrument	20260001782

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 3, 2022
Property Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Document Number	0000817471
Map Reference	MB 403 PG 15
Instrument Date	Oct 28, 2022
Instrument	20220817471
Transaction Type	Transfer
Record Updated	Nov 14, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE AGENCY

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	7249 N CENTRAL AVE, 7249, PHOENIX, AZ 85020-4850

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931

Mortgage

Document Number	0000817472
Date	Nov 3, 2022
Instrument	20220817472

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 28, 2021
Property Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Document Number	0000600944
Map Reference	MB 403 PG 15
Instrument Date	Apr 21, 2021
Instrument	20210600944
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	320 E MARLETTE AVE, PHOENIX, AZ 85012-1122
Investor	Possibly a Property Investor

Mortgage

Document Number	0000600945
Date	May 28, 2021
Instrument	20210600945

Lender

Name	EQUITABLE HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 22, 2020
Property Address	4520 E LONE CACTUS DR, PHOENIX, AZ 85050-6931
Document Number	0000342974
Instrument Date	May 21, 2019
Instrument	342974
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	PROFESSIONAL ESCROW RSRCS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 E MARLETTE AVE PHOENIX AZ 850121122, PHOENIX, AZ 85012-1122

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		$51,010 (+74.25%)	$510,100 (+3.03%) Land $102,000 Building $408,100
2025	$2,062.00 (-14.55%)	$29,274 (-39.47%)	$495,100 (+2.38%) Land $99,000 Building $396,100
2024		$48,360	$483,600 Land $96,700 Building $386,900
2023	$2,413.00

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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