4860 E Saddle Ave, Flagstaff, AZ 86004 Property Records

Coconino County property record for 4860 E Saddle Ave, Flagstaff, AZ 86004

Property Summary

Property Type	Rural Home
Details	2,042 sqft · built 2020
Lot Size	1.01 acres (43,995 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,308 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301-75-027D`

Property Details

APN / Parcel Number

Primary APN	`301-75-027D`
Alternative APN	`R0000841`

Interior

Stories	1 Story
Building Area	2,042 sqft Living Area
1st Floor Area	2,042 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	43,995 sqft (1.01 acres)

Location & Zoning

Account Number	R0000841
Street Address	4860 E SADDLE AVE
City	FLAGSTAFF
State	AZ
Zip	86004-5236
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SIXTEENTH: NE QUARTER: SE SECTION: 08 TOWNSHIP: 22N RANGE: 08E DESC AS FLLWS:BEG NE COR LOT 60 TIMBERLINE ESTATES AMENDED;TH N 89D19M E ALNG SLY R/W LINE SADDLE AVE 169.97 FT;TH S 0D16M W 258.92 FT;TH S 89D19M W 169.97 FT;TH N 0D16M E 258.92 FT TO PO
Legal Range	08E
Legal Township	22N
Legal Section	08
Legal Lot Number	60
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	3
Census Block	3003
Census Tract	1301

Owner

Source: Coconino County records, as of June 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4860 E SADDLE AVE, FLAGSTAFF, AZ 86004-5236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Special Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage DURAN P L & M H TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021
Deed Sale	Aug 13, 2021
Prior Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	20213925115
Prior Transfer Date	Feb 19, 2016
Prior Transfer Doc	0003745636
Record Updated	Oct 29, 2026

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Aug 13, 2021
Property Address	4860 E SADDLE AVE, FLAGSTAFF, AZ 86004-5236
Document Number	0003925115
Instrument Date	Aug 3, 2021
Instrument	3925115
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	PEOPLES TITLES INC, PIONEER 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	3605 S FLAGSTAFF RANCH RD, FLAGSTAFF, AZ 86005-2425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4860 SADDLE AVE, FLAGSTAFF, AZ 86004-5236

Mortgage

Document Number	0003925116
Date	Aug 13, 2021
Instrument	3925116

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

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

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Aug 31, 2020
Property Address	4860 E SADDLE AVE, FLAGSTAFF, AZ 86004-5236
Document Number	0003885275
Instrument Date	Jul 25, 2020
Instrument	3885275
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3605 S FLAGSTAFF RANCH RD FLAGSTAFF AZ 860052425, FLAGSTAFF, AZ 86005-2425
Investor	Possibly a Property Investor

Mortgage

Document Number	3885276
Date	Aug 31, 2020
Instrument	3885276

Lender

Name	DURAN P L & M H TRUST (PT)
Address	2156 E ENROSE CIR, MESA, AZ 85213-5937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Coconino County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,122 (-13.68%) Land $12,489 Building $38,633
2025	$3,308.00 (+3.89%)	$59,222 (-4.72%)	$592,216 (-4.72%) Land $124,891 Building $467,325
2024	$3,184.00 (+5.12%)	$62,157 Land $12,489 Building $49,668
2023	$3,029.00 Homeowner's exemption		$621,566 Land $124,891 Building $496,675

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	32 (2010–2022)
Claims Outside the SFHA	32 of 32
Most Recent Claim	Oct 2022 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2010 · 4 claims

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	Very High above 90% of the US · above 85% of Arizona
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	DONEY PARK WATER private · serves 9,222 people · EPA ID AZ0403005
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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