Gila County property record for 515 W Saddle Ln, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 1,350 sqft · built 2022 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $452,000 (Apr 2025) |
| Tax Bill | $2,246 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer Apr 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-36-183 |
| Primary APN | 302-36-183 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,350 sqft Living Area |
| Gross Area | 1,856 sqft |
| 1st Floor Area | 1,350 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Construction Type | Wood |
| Roof Material | Asbestos |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Canopy | 36 sqft |
| Cooling System | A/C Chilled Water |
|---|---|
| Heating System | Hot Water |
| Account Number | R022135 |
|---|---|
| Street Address | 515 W SADDLE LN |
| City | PAYSON |
| State | AZ |
| Zip | 85541-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 14 SECTION: 28 TOWNSHIP: 11N RANGE: 10E PAYSON RANCHOS #3 LOT 14 234/635 307/590 |
| Legal Range | 10E |
| Legal Township | 11N |
| Legal Section | 28 |
| Legal Subdivision | PAYSON RANCH |
| Legal Lot Number | 14 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 302 |
515 W Saddle Ln is owned and occupied by an individual who bought it in April 2025.
Source: Gila County records, as of February 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Mar 14, 2024 | Intrafamily Transfer, Transfer |
| Apr 30, 2025 | Warranty Deed, Transfer · FHA Mortgage GRANITE COMMUNITY BANK |
| Aug 14, 2023 | Warranty Deed, Transfer PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Sep 19, 2023 | Re-recorded Document PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2025 · Amount on File |
| Deed Sale | Apr 30, 2025 · Amount on File |
| Prior Sale | Sep 19, 2023 · Amount on File |
| Deed Document Number | 20253958 |
| Prior Transfer Date | Aug 14, 2023 |
| Prior Transfer Doc | 0000008196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Mar 14, 2024 |
| Property Address | 515 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000002272 |
| Map Reference | MAP 349 |
| Instrument Date | Mar 7, 2024 |
| Instrument | 2024-002272 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 6525 E CAVE CREEK RD UNIT 21, 21, CAVE CREEK, AZ 85331-8746 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Apr 30, 2025 |
| Property Address | 515 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000003958 |
| Map Reference | MAP 349 |
| Instrument Date | Mar 7, 2024 |
| Instrument | 2025-003958 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6525 E CAVE CREEK RD UNIT 21, 21, CAVE CREEK, AZ 85331-8746 |
| Name | Verified Name |
|---|---|
| Address | 515 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000003959 |
|---|---|
| Date | Apr 30, 2025 |
| Instrument | 2025-003959 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Aug 14, 2023 |
| Property Address | 515 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000007153 |
| Map Reference | MAP 349 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023-007153 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 302 S COLCORD RD, PAYSON, AZ 85541-4830 |
| Name | Verified Name |
|---|---|
| Address | 6525 E CAVE CREEK RD UNIT 21, 21, CAVE CREEK, AZ 85331-8746 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Sep 19, 2023 |
| Property Address | 515 W SADDLE LN, PAYSON, AZ 85541-3045 |
| Document Number | 0000008196 |
| Map Reference | MAP 349 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023-008196 |
| Record Updated | Oct 4, 2023 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|---|
| Address | 302 S COLCORD RD, PAYSON, AZ 85541-4830 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 6525 E CAVE CREEK RD UNIT 21, 21, CAVE CREEK, AZ 85331-8746 |
The 2025 property tax bill for 515 W Saddle Ln was $2,246.
Source: Gila County assessment roll, as of February 9, 2026
| 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 | $35,934 Land $5,135 Building $30,799 | $359,343 Land $51,352 Building $307,991 | |
| 2025 | $2,246.00 | ||
| 2024 | $33,963 (+267.56%) Land $2,969 Building $30,994 | $339,626 Land $29,691 Building $309,935 | |
| 2023 | $581.00 (-1.69%) | $9,240 Land $4,620 Building $4,620 | |
| 2022 | $591.00 | $61,604 Land $30,802 Building $30,802 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 515 W Saddle Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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.
Wildfire risk around 515 W Saddle Ln is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
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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