4631 E Lone Cactus Dr, Phoenix, AZ 85050 Property Records

Maricopa County property record for 4631 E Lone Cactus Dr, Phoenix, AZ 85050

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,610 sqft · built 1996
Lot Size	0.112 acres (4,861 sqft)
Owner	2 Company Names on Record
Last Sale	$130,626 (Dec 1996)
Tax Bill	$2,613 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`212-34-461`

Property Details

APN / Parcel Number

Primary APN	`212-34-461`
Alternative APN	`212344616`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,610 sqft Living Area
Gross Area	1,790 sqft
1st Floor Area	707 sqft
2nd Floor Area	903 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	4,861 sqft (0.112 acres)
Parking Spaces	2 Parking Spaces
Pool Area	350 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4631 E LONE CACTUS DR
City	PHOENIX
State	AZ
Zip	85050-6159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-M
Legal Description	DESERT RIDGE PARCEL 7.1 MCR 402-44
Legal Range	4E
Legal Township	4N
Legal Section	19
Legal Subdivision	DESERT RIDGE PARCEL 7.1
Legal Lot Number	270
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1012
Census Tract	615100

Owner

Source: Maricopa County records, as of August 27, 2026

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
Mailing Address	4631 E LONE CACTUS DR, PHOENIX, AZ 85050-6159
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 20, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 1996 · Amount on Record
Deed Sale	Dec 27, 1996 · Amount on Record
Prior Sale	Feb 6, 1996 · Amount on Record
Deed Document Number	1996898314
Last Transfer Date	Apr 27, 2024
Transfer Doc	0000243046
Record Updated	Oct 29, 2026

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jul 9, 2025
Property Address	4631 E LONE CACTUS DR, PHOENIX, AZ 85050-6159
Document Number	0000393008
Instrument Date	Jul 8, 2025
Instrument	20250393008
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY LLC

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
Relationship	Living Trust

Mortgage

Document Number	0000393010
Date	Jul 9, 2025
Instrument	20250393010

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4631 E LONE CACTUS DR, PHOENIX, AZ 85050-6159
Transaction Type	Mortgage
Record Updated	Apr 29, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 E LONE CACTUS DR, PHOENIX, AZ 85050-6159

Mortgage

Document Number	0001225138
Date	Nov 16, 2021
Instrument	20211225138

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jan 20, 2022
Property Address	4631 E LONE CACTUS DR, PHOENIX, AZ 85050-6159
Document Number	0000058520
Map Reference	MB 402 PG 44
Instrument Date	Jan 19, 2022
Instrument	20220058520
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	4631 E LONE CACTUS DR, PHOENIX, AZ 85050-6159

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		$47,210 (+56.39%)	$472,100 (+2.85%) Land $94,400 Building $377,700
2025	$2,613.00 (+5.02%)	$30,188 (-33.08%)	$459,000 (+1.75%) Land $91,800 Building $367,200
2024		$45,110	$451,100 Land $90,200 Building $360,900
2023	$2,488.00

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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