515 W Locust Rd, Payson, AZ 85541 Property Records

Gila County property record for 515 W Locust Rd, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	2,070 sqft · built 2001
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`302-40-025G`

Property Details

APN / Parcel Number

Primary APN	`302-40-025G`
Alternative APNs	`R022874` `022874`

Interior

Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	2,966 sqft
1st Floor Area	2,070 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asbestos
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Deck Area	Deck Area
Patio Area	276 sqft
Canopy	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R022874
Street Address	515 W LOCUST RD
City	PAYSON
State	AZ
Zip	85541-3647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 33 TOWNSHIP: 11N RANGE: 10E POR NE4 SE4 SEC 33 T11N R10E;COMM NW COR NE4 SE4 SEC 33;TH N89D 5239 E 420.52;TH S0D337 W 394.53 POB;TH CONT S0D337 W 100; TH S89D5239 W 185.29;TH N0D337 E 100;TH N89D5239 E 185.29 POB;=0.42 AC M/L (OUT OF 302-40-
Legal Range	10E
Legal Township	11N
Legal Section	33
Legal Subdivision	WEST PAYSON METES & BOUNDS
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1023
Census Tract	301

Owner

Source: Gila County records, as of October 5, 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
Mailing Address	515 W LOCUST RD, PAYSON, AZ 85541-3647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COOPER STATE CU
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage COPPER STATE CU
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CANYON ST CU
Mar 28, 2018	Deed of Trust, Mortgage · Line of Credit CANYON ST CU
Jan 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CANYON ST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 27, 2017
Transfer Doc	0000000838
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	515 W LOCUST RD, PAYSON, AZ 85541-3647
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W LOCUST RD, PAYSON, AZ 85541-3647

Mortgage

Document Number	0000000620
Date	Jan 26, 2026
Instrument	2026-000620

Lender

Name	COOPER STATE CU
Type	Credit Union
Address	PHOENIX, AZ 85053

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	182 Months
Due	Mar 15, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	515 W LOCUST RD, PAYSON, AZ 85541-3647
Transaction Type	Mortgage
Record Updated	Dec 10, 2021
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W LOCUST RD, PAYSON, AZ 85541-3647

Mortgage

Document Number	0000014814
Date	Oct 29, 2021
Instrument	2021-014814

Lender

Name	COPPER STATE CU
Type	Credit Union
Address	PHOENIX, AZ 85053

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 1, 2051

Interest

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	515 W LOCUST RD, PAYSON, AZ 85541-3647
Document Number	0000007112
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	MIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W LOCUST RD PAYSON AZ 855413647, PAYSON, AZ 85541-3647

Mortgage

Document Number	0000007112
Date	Jun 26, 2020
Instrument	7112

Lender

Name	CANYON ST CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	515 W LOCUST RD, PAYSON, AZ 85541-3647
Document Number	0000003908
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3306 PAYSON AZ 855473306, PAYSON, AZ 85547-3306

Mortgage

Document Number	0000003908
Date	Apr 10, 2018
Instrument	3908

Lender

Name	CANYON ST CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 9, 2043

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	515 W LOCUST RD, PAYSON, AZ 85541-3647
Document Number	0000000974
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W LOCUST RD PAYSON AZ 855413647, PAYSON, AZ 85541-3647

Mortgage

Document Number	0000000974
Date	Feb 2, 2018
Instrument	974

Lender

Name	CANYON ST CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2033

Tax Assessment & Valuation

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		$43,340 (+5.03%) Land $7,785 Building $35,555	$433,400 (+5.03%) Land $77,846 Building $355,554
2025	$2,451.00 (+7.74%)
2024		$41,266 Land $10,540 Building $30,726	$412,651 Land $105,396 Building $307,255
2023	$2,275.00

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 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

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

Wildfire Risk	Moderate above 56% of the US · above 44% of Arizona
Wildfire Likelihood	0.08% 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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Sparklight, T-Mobile.

Nearby Properties on W Locust Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures