4646 E Desert Cactus St, Phoenix, AZ 85032 Property Records

Maricopa County property record for 4646 E Desert Cactus St, Phoenix, AZ 85032

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,618 sqft · built 1992
Lot Size	0.164 acres (7,153 sqft)
Owner	Individual Name on Record
Last Sale	$413,000 (Jun 2018)
Tax Bill	$2,849 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`215-12-426`

Property Details

APN / Parcel Number

Primary APN	`215-12-426`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,618 sqft Living Area
1st Floor Area	1,374 sqft
2nd Floor Area	1,244 sqft

Exterior

Year Built	Built 1992
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,153 sqft (0.164 acres)
Parking Spaces	3 Parking Spaces
Pool Area	325 sqft
Patio Area	254 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4646 E DESERT CACTUS ST
City	PHOENIX
State	AZ
Zip	85032-1572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-L
Legal Description	TATUM MANOR MCR 349-11
Legal Range	04E
Legal Township	04N
Legal Section	31
Legal Quarter	NE
Quarter-Quarter Section	NE
Legal Subdivision	TATUM MANOR LOT 1-109 TR A-F
Legal Lot Number	9
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1000
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4646 E DESERT CACTUS ST, PHOENIX, AZ 85032-1572
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 10, 2019	Deed of Trust, Mortgage · ARM CARDINAL FINANCIAL COMPANY LP
Jun 1, 2018	Warranty Deed, Transfer · ARM CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	Oct 27, 2009
Deed Document Number	20180422806
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4646 E DESERT CACTUS ST, PHOENIX, AZ 85032-1572
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 E DESERT CACTUS ST, PHOENIX, AZ 85032-1572

Mortgage

Document Number	0000550701
Date	Oct 24, 2023
Instrument	20230550701

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Sep 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4646 E DESERT CACTUS ST, PHOENIX, AZ 85032-1572
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000398221
Date	May 11, 2020
Instrument	20200398221

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4646 E DESERT CACTUS ST, PHOENIX, AZ 85032-1572
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 E ROBERT E LEE ST, PHOENIX, AZ 85032-1572

Mortgage

Document Number	0000520508
Date	Jul 10, 2019
Instrument	20190520508

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 1, 2024
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Max Rate	8.25%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 1, 2018
Property Address	4646 E DESERT CACTUS ST, PHOENIX, AZ 85032-1572
Document Number	0000422806
Map Reference	MB 349 PG 11
Instrument Date	May 25, 2018
Instrument	20180422806
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	EQUITY TITLE AGENCY INC

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	7089 BENSON AVE, 7089, SAN DIEGO, CA 92114-5908

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4646 E ROBERT E LEE ST, PHOENIX, AZ 85032-1572

Mortgage

Document Number	0000422807
Date	Jun 1, 2018
Instrument	20180422807

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$65,910 (+2.7%)	$659,100 (+2.7%) Land $131,800 Building $527,300
2025	$2,849.00 (-13.54%)
2024		$64,180	$641,800 Land $128,300 Building $513,500
2023	$3,295.00

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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