504 N Prospector Cir, Payson, AZ 85541 Property Records

Gila County property record for 504 N Prospector Cir, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,588 sqft · built 1998
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (May 2017)
Tax Bill	$2,410 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-90-121`

Property Details

APN / Parcel Number

Primary APN	`302-90-121`
Alternative APNs	`R028249` `028249`

Interior

Stories	1 Story
Building Area	1,588 sqft Living Area
Gross Area	2,008 sqft
1st Floor Area	1,588 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asbestos
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Canopy	191 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	R028249
Street Address	504 N PROSPECTOR CIR
City	PAYSON
State	AZ
Zip	85541-6646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 33 TOWNSHIP: 11N RANGE: 10E LOT 121, WOODHILL UNIT ONE, PLAT 677SW1/4 SEC 33 T11N R10E = 0.18 AC (OUT OF 302-23-052C & -052D)
Legal Range	10E
Legal Township	11N
Legal Section	33
Legal Subdivision	WOODHILL UNIT 1
Legal Lot Number	121
Legal Unit	1
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1027
Census Tract	301

Owner

504 N Prospector Cir is owned and occupied by two individuals who acquired it in February 2018.

Source: Gila County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	504 N PROSPECTOR CIR, PAYSON, AZ 85541-6646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 7, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jan 12, 2022	Intrafamily Transfer, Transfer
May 23, 2017	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Prior Sale	Oct 26, 2010
Deed Document Number	20174951
Last Transfer Date	Feb 15, 2018
Transfer Doc	0000000470
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	504 N PROSPECTOR CIR, PAYSON, AZ 85541-6646
Transaction Type	Mortgage
Record Updated	Apr 25, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 N PROSPECTOR CIR, PAYSON, AZ 85541-6646

Mortgage

Document Number	0000003053
Date	Apr 7, 2023
Instrument	2023-003053

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GILA AZ
Recording Date	Jan 12, 2022
Property Address	504 N PROSPECTOR CIR, PAYSON, AZ 85541-6646
Document Number	0000000470
Instrument Date	Feb 15, 2018
Instrument	2022-000470
Transaction Type	Transfer
Record Updated	Feb 7, 2022

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	Joint Tenants with Right of Survivorship
Address	504 N PROSPECTOR CIR, PAYSON, AZ 85541-6646

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	May 23, 2017
Property Address	504 N PROSPECTOR CIR, PAYSON, AZ 85541-6646
Document Number	0000004951
Instrument Date	May 10, 2017
Instrument	4951
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 N PROSPECTOR CIR PAYSON AZ 855416646, PAYSON, AZ 85541-6646

Mortgage

Document Number	4952
Date	May 23, 2017
Instrument	4952

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 504 N Prospector Cir was $2,410.

Source: Gila County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Gila County
Municipality	Payson Town
Unified School District	Payson Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$32,627 Land $6,292 Building $26,335	$326,266 Land $62,919 Building $263,347
2025	$2,410.00
2024		$31,552 Land $5,972 Building $25,580	$315,525 Land $59,722 Building $255,803
2023	$2,237.00

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 504 N Prospector Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 30, 2025 · 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
Nearby Flood Policies	4 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

Wildfire risk around 504 N Prospector Cir is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 64% of Arizona
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF PAYSON serves 17,682 people · EPA ID AZ0404032
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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