5130 E Lower Stump Rd, Hereford, AZ 85615 Property Records

Cochise County property record for 5130 E Lower Stump Rd, Hereford, AZ 85615

Property Summary

Property Type	Single Family Home
Details	1,897 sqft · built 1976
Lot Size	2.31 acres (101,059 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Oct 2021)
Tax Bill	$2,285 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`104-56-004`

Property Details

APN / Parcel Number

Primary APN	`104-56-004`
Alternative APN	`104-56-00405`

Interior

Stories	1 Story
Building Area	1,897 sqft Living Area
1st Floor Area	1,897 sqft

Exterior

Year Built	Built 1976
Exterior Material	Stucco
Construction Type	Concrete
Roof Material	Composition Shingle
Lot Area	101,059 sqft (2.31 acres)
Shed	1 Shed
Shed Area	613 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	104-56-00405
Street Address	5130 E LOWER STUMP RD
City	HEREFORD
State	AZ
Zip	85615-9454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN SE SE BEG 330' N OF SE COR OF SE4 TH N65' W37' N102.45'M/L W62 3' S165' E660' TO POB LESS .035AC TO CNTY & EXCEPT W15'
Legal Range	21
Legal Township	23
Legal Section	30
Jurisdiction	COCHISE AZ
Township / Civil Division	BISBEE
Census Block Group	3
Census Block	3040
Census Tract	2100

Owner

Source: Cochise County records, as of March 2, 2026

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	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Warranty Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Sep 4, 2020	Deed of Trust, Mortgage · VA Mortgage GUILD MTG
Aug 8, 2019	Deed of Trust, Mortgage · VA Mortgage GUILD MTG
May 14, 2018	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG
Oct 19, 2017	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on Record
Deed Sale	Oct 8, 2021 · Amount on Record
Prior Sale	Oct 19, 2017 · Amount on Record
Deed Document Number	2021-26830
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCHISE AZ
Recording Date	Oct 8, 2021
Property Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454
Document Number	0000026830
Instrument Date	Oct 5, 2021
Instrument	2021-26830
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	PEOPLES TITLES INC, IONEER 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454

Mortgage

Document Number	0000026832
Date	Oct 8, 2021
Instrument	2021-26832

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCHISE AZ
Property Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454
Document Number	0000018997
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5130 E LOWER STUMP RD HEREFORD AZ 856159454, HEREFORD, AZ 85615-9454

Mortgage

Document Number	0000018997
Date	Sep 4, 2020
Instrument	18997

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCHISE AZ
Property Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454
Document Number	0000015767
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5130 E LOWER STUMP RD HEREFORD AZ 856159454, HEREFORD, AZ 85615-9454

Mortgage

Document Number	0000015767
Date	Aug 16, 2019
Instrument	15767

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCHISE AZ
Property Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454
Document Number	0000009313
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	WOLVERINE STATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5130 E LOWER STUMP RD HEREFORD AZ 856159454, HEREFORD, AZ 85615-9454

Mortgage

Document Number	0000009313
Date	May 21, 2018
Instrument	9313

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCHISE AZ
Recording Date	Oct 19, 2017
Property Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454
Document Number	0000020367
Instrument Date	Oct 18, 2017
Instrument	2017-20367
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5130 E LOWER STUMP RD, HEREFORD, AZ 85615-9454

Mortgage

Document Number	0000020368
Date	Oct 19, 2017
Instrument	2017-20368

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Cochise County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Cochise County
Unified School District	Sierra Vista Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$24,893 (+1.2%) Land $7,646 Building $17,247	$248,926 (+1.2%) Land $76,460 Building $172,466
2025	$2,285.00 (+4.48%)
2024		$24,598 Land $7,646 Building $16,952	$245,976 Land $76,460 Building $169,516
2023	$2,187.00

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 March 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	6 (2000–2012)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2012 · rainfall accumulation

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 93% of the US · above 90% of Arizona
Wildfire Likelihood	2% 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	BELLA VISTA WATER SOUTH private · serves 2,178 people · EPA ID AZ0402007
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
HPAZ.net Fixed Wireless	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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