4637 E Desert Cactus St, Phoenix, AZ 85032 Property Records

Maricopa County property record for 4637 E Desert Cactus St, Phoenix, AZ 85032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,751 sqft · built 1992
Lot Size	0.127 acres (5,525 sqft)
Owner	2 Individual Names on File
Last Sale	$333,000 (Jan 2020)
Tax Bill	$3,001 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`215-12-366`

Property Details

APN / Parcel Number

Primary APN	`215-12-366`
Alternative APN	`215123669`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,751 sqft Living Area
Gross Area	1,911 sqft
1st Floor Area	1,751 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	5,525 sqft (0.127 acres)
Parking Spaces	2 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4637 E DESERT CACTUS ST
City	PHOENIX
State	AZ
Zip	85032-9530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-L
Legal Description	TATUM HEIGHTS LOT 1-53 TR A MCR 348-48
Legal Range	4E
Legal Township	4N
Legal Section	31
Legal Subdivision	TATUM HEIGHTS LOT 1-53 TR A
Legal Tract	A
Legal Lot Number	3
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1012
Census Tract	619700

Owner

4637 E Desert Cactus St is owned and occupied by two individuals who bought it in January 2020.

Source: Maricopa County records, as of May 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4637 E DESERT CACTUS ST, PHOENIX, AZ 85032-9530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jul 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 10, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2020 · Amount on File
Deed Sale	Jan 10, 2020 · Amount on File
Prior Sale	Sep 23, 2011 · Amount on File
Deed Document Number	202024002
Prior Transfer Date	Sep 22, 2011
Prior Transfer Doc	0000790672
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4637 E DESERT CACTUS ST, PHOENIX, AZ 85032-9530
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4637 E DESERT CACTUS ST, PHOENIX, AZ 85032-9530

Mortgage

Document Number	0000587341
Date	Jul 21, 2022
Instrument	20220587341

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Oct 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4637 E DESERT CACTUS ST, PHOENIX, AZ 85032-9530
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4637 E ROBERT E LEE ST, PHOENIX, AZ 85032-9530

Mortgage

Document Number	0001033778
Date	Oct 27, 2020
Instrument	20201033778

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 10, 2020
Property Address	4637 E DESERT CACTUS ST, PHOENIX, AZ 85032-9530
Document Number	0000024002
Map Reference	MB 348 PG 48
Instrument Date	Dec 3, 2019
Instrument	20200024002
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
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	2673 E INDIAN WELLS DR, 2673, GILBERT, AZ 85298-0070

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4637 E ROBERT E LEE ST, PHOENIX, AZ 85032-9530

Mortgage

Document Number	0000024003
Date	Jan 10, 2020
Instrument	20200024003

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4637 E Desert Cactus St was $3,001.

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		$50,550 (+72.13%)	$505,500 (+2.91%) Land $101,100 Building $404,400
2025	$3,001.00	$29,367 (-41.91%)	$491,200 (-2.83%) Land $98,200 Building $393,000
2024		$50,550	$505,500 Land $101,100 Building $404,400
2023	$2,421.00

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 4637 E Desert Cactus St 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

Wildfire risk around 4637 E Desert Cactus St is low, with less than a 0.01% annual chance of 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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