Gila County property record for 511 W Saddle Ln, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 1,478 sqft · built 1979 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $230,000 (Mar 2017) |
| Tax Bill | $3,253 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Jun 2018 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-36-181 |
| Primary APN | 302-36-181 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,478 sqft Living Area |
| 1st Floor Area | 1,478 sqft |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asbestos |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Canopy | 192 sqft |
| Cooling System | A/C Chilled Water |
|---|---|
| Heating System | Hot Water |
| Account Number | R022127 |
|---|---|
| Street Address | 511 W SADDLE LN |
| City | PAYSON |
| State | AZ |
| Zip | 85541-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 12 SECTION: 28 TOWNSHIP: 11N RANGE: 10E PAYSON RANCHOS #3 LOT 12; PLAT 348 |
| Legal Range | 10E |
| Legal Township | 11N |
| Legal Section | 28 |
| Legal Subdivision | PAYSON RANCHOS |
| Legal Lot Number | 12 1002 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 302 |
Source: Gila County records, as of December 4, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 511 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 31, 2017 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jun 6, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Mar 23, 2017 | Warranty Deed, Transfer · VA Mortgage BAY EQUITY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2017 · Amount on Record |
| Deed Sale | Mar 23, 2017 · Amount on Record |
| Prior Sale | Mar 23, 2017 · Amount on Record |
| Deed Document Number | 0000002749 |
| Last Transfer Date | Jun 6, 2018 |
| Transfer Doc | 0000006067 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 511 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0000010703 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 2017-010703 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Nov 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Jun 6, 2018 |
| Property Address | 511 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000006067 |
| Instrument Date | May 11, 2018 |
| Instrument | 6067 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 511 W SADDLE LN PAYSON AZ 855413045, PAYSON, AZ 85541-3045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Mar 23, 2017 |
| Property Address | 511 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000002749 |
| Instrument Date | Mar 2, 2017 |
| Instrument | 2749 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2017 |
| Title Company | PIONEER TITLE COMPANY, PIONEER TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | PO BOX 1250 PINEDALE AZ 859341250, PINEDALE, AZ 85934-1250 |
| Document Number | 2750 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 2750 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2047 |
Source: Gila County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Gila County |
| Municipality | Payson Town |
| Unified School District | Payson Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,652 (+5.36%) Land $5,135 Building $40,517 | $456,524 (+5.36%) Land $51,352 Building $405,172 | |
| 2025 | $3,253.00 (+7.68%) | ||
| 2024 | $43,331 Land $2,969 Building $40,362 | $433,307 Land $29,691 Building $403,616 | |
| 2023 | $3,021.00 |
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.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2004–2019) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 65% of Arizona |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 183 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 |
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