4540 E Desert Cactus St, Phoenix, AZ 85032 Property Records

Maricopa County property record for 4540 E Desert Cactus St, Phoenix, AZ 85032

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,105 sqft · built 1989
Lot Size	0.147 acres (6,419 sqft)
Owner	2 Company Names on Record
Last Sale	$615,000 (Oct 2021)
Tax Bill	$2,295 (2025)
Deeds & Mortgages	Feb 2022 Transfer Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`215-12-246`

Property Details

APN / Parcel Number

Primary APN	`215-12-246`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,105 sqft Living Area
1st Floor Area	1,321 sqft
2nd Floor Area	784 sqft

Exterior

Year Built	Built 1989
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	6,419 sqft (0.147 acres)
Parking Spaces	2 Parking Spaces
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4540 E DESERT CACTUS ST
City	PHOENIX
State	AZ
Zip	85032-1576
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-L
Legal Description	IMAGES MCR 332-7
Legal Range	04E
Legal Township	04N
Legal Section	31
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	IMAGES
Legal Lot Number	51
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1008
Census Tract	619700

Owner

Source: Maricopa County records, as of November 20, 2025

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Intrafamily Transfer, Transfer
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEFINE MORTGAGE SOLUTIONS LLC
Oct 8, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 28, 2021	Warranty Deed, Transfer CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 8, 2021 · Amount on Record
Deed Sale	Oct 8, 2021 · Amount on Record
Prior Sale	Oct 8, 2021 · Amount on Record
Deed Document Number	0001090491
Last Transfer Date	Feb 10, 2022
Transfer Doc	0000127667
Record Updated	Jun 8, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Feb 10, 2022
Property Address	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576
Document Number	0000127667
Map Reference	MB 332 PG 7
Instrument Date	Feb 10, 2022
Instrument	20220127667
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	GRAND CANYON TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000372746
Date	Apr 30, 2020
Instrument	20200372746

Lender

Name	DEFINE MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	PHOENIX, AZ 85034

Agreement

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

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 8, 2021
Property Address	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576
Document Number	0001090491
Map Reference	MB 332 PG 7
Instrument Date	Sep 13, 2021
Instrument	20211090491
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CLEAR TITLE AGENCY OF AZ

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	2487 S GILBERT RD # RD106-15, 2487, GILBERT, AZ 85295-8899

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576

Mortgage

Document Number	0001090492
Date	Oct 8, 2021
Instrument	20211090492

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 28, 2021
Property Address	4540 E DESERT CACTUS ST, PHOENIX, AZ 85032-1576
Document Number	0000600638
Map Reference	MB 332 PG 7
Instrument Date	May 19, 2021
Instrument	20210600638
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4540 E DESERT CACTUS ST, 4540, PHOENIX, AZ 85032-1576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2487 S GILBERT RD # 106-15, 106, GILBERT, AZ 85295-2802

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of January 1, 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		$54,220 (+0.69%)	$542,200 (+0.69%) Land $108,400 Building $433,800
2025	$2,295.00 (-12.07%)
2024		$53,850	$538,500 Land $107,700 Building $430,800
2023	$2,610.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99.6% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 913 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Tristate Wi-Fi by Wi-Fiber, Verizon.

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