Maricopa County property record for 4646 E Montgomery Rd, Cave Creek, AZ 85331
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,577 sqft · built 1991 |
| Lot Size | 0.226 acres (9,825 sqft) |
| Owner | Trust Name on File |
| Last Sale | $325,000 (Mar 2004) |
| Tax Bill | $2,564 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 211-62-111 |
| Primary APN | 211-62-111 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,577 sqft Living Area |
| Gross Area | 2,958 sqft |
| 1st Floor Area | 2,577 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Concrete |
| Lot Area | 9,825 sqft (0.226 acres) |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 486 sqft |
| Patio Area | 381 sqft |
| Cooling System | Refrigeration |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4646 E MONTGOMERY RD |
|---|---|
| City | CAVE CREEK |
| State | AZ |
| Zip | 85331-5812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | DESERT FAIRWAYS AT TATUM RANCH MCR 329-39 |
| Legal Range | 4E |
| Legal Township | 5N |
| Legal Section | 19 |
| Legal Subdivision | DESERT FAIRWAYS AT TATUM RANCH |
| Legal Lot Number | 44 |
| Jurisdiction | MARICOPA AZ |
| Township / Civil Division | DEER VALLEY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 612700 |
4646 E Montgomery Rd is owner-occupied and held in a trust since March 2004.
Source: Maricopa County records, as of October 22, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| May 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Sep 19, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 8, 2020 | Re-recorded Document · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2004 · Amount on File |
| Deed Sale | Mar 22, 2004 · Amount on File |
| Prior Sale | May 25, 2000 · Amount on File |
| Deed Document Number | 2004292670 |
| Prior Transfer Date | Feb 7, 1997 |
| Prior Transfer Doc | 0000126976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0001254030 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 20211254030 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0000394013 |
| Instrument Date | May 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2020 |
| Title Company | CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGCY/AZ |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4646 E MONTGOMERY RD CAVE CREEK AZ 853315812, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0000394013 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 394013 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 7, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Recording Date | Sep 19, 2019 |
| Property Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0000738037 |
| Map Reference | MB 329 PG 39 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 20190738037 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | BOSTON NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0000738038 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 20190738038 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Recording Date | May 8, 2020 |
| Property Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0000394012 |
| Map Reference | MB 329 PG 39 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 20200394012 |
| Record Updated | Sep 14, 2021 |
| Title Company | CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4646 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5812 |
| Document Number | 0000394013 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 20200394013 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 4646 E Montgomery Rd was $2,564.
Source: Maricopa County assessment roll, as of October 22, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Maricopa County |
| Municipality | Phoenix City |
| Unified School District | Cave Creek Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $65,730 (+51.83%) | $657,300 (+2.26%) Land $131,400 Building $525,900 | |
| 2025 | $2,564.00 | $43,291 (-36.39%) | $642,800 (-5.55%) Land $128,500 Building $514,300 |
| 2024 | $68,060 | $680,600 Land $136,100 Building $544,500 | |
| 2023 | $2,390.00 |
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.
FEMA maps place 4646 E Montgomery Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4646 E Montgomery Rd 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 93% of the US · lower than 98.9% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 279 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 |
| AirFiber WISP Fixed Wireless | 1,000 / 500 |
| BAM Broadband Fixed Wireless · not low latency | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Mojo Broadband Fixed Wireless | 250 / 50 |
| CenturyLink DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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