4524 E Monte Cristo Ave, Phoenix, AZ 85032 Property Records

Maricopa County property record for 4524 E Monte Cristo Ave, Phoenix, AZ 85032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,256 sqft · built 1999
Lot Size	0.252 acres (10,983 sqft)
Owner	2 Individual Names on File
Last Sale	$457,500 (Sep 2013)
Tax Bill	$4,991 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`215-29-084`

Property Details

APN / Parcel Number

Primary APN	`215-29-084`
Alternative APN	`215290846`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,256 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	3,256 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	10,983 sqft (0.252 acres)
Parking Spaces	3 Parking Spaces
Pool Area	448 sqft
Patio Area	278 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4524 E MONTE CRISTO AVE
City	PHOENIX
State	AZ
Zip	85032-4236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	PRESTWICK RANCH MCR 456-20
Legal Range	4E
Legal Township	3N
Legal Section	6
Legal Subdivision	PRESTWICK RANCH
Legal Lot Number	6
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2002
Census Tract	103215

Owner

4524 E Monte Cristo Ave is owned and occupied by two individuals who bought it in September 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage SECURE ONE CAPITAL CORP
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURE ONE CAPITAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2013 · Amount on File
Deed Sale	Sep 13, 2013 · Amount on File
Prior Sale	Mar 16, 2000 · Amount on File
Deed Document Number	2013826825
Prior Transfer Date	Aug 27, 2013
Prior Transfer Doc	0000826824
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236

Mortgage

Document Number	0000651761
Date	Nov 12, 2025
Instrument	20250651761

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236
Transaction Type	Mortgage
Record Updated	Nov 8, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236

Mortgage

Document Number	0001173168
Date	Nov 1, 2021
Instrument	20211173168

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Nov 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026894
Date	Jan 12, 2017
Instrument	2017-0026894

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4524 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4236

Mortgage

Document Number	0001067040
Date	Nov 3, 2020
Instrument	20201067040

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4524 E Monte Cristo Ave was $4,991.

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		$93,210 (+70.37%)	$932,100 (+10.24%) Land $186,400 Building $745,700
2025	$4,991.00	$54,710 (-39.5%)	$845,500 (-6.5%) Land $169,100 Building $676,400
2024		$90,430	$904,300 Land $180,800 Building $723,500
2023	$4,731.00

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 4524 E Monte Cristo Ave in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 4524 E Monte Cristo Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 593 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
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 150
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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