Yavapai County property record for 5190 E Ruby Way, Cottonwood, AZ 86326
| Property Type | Mobile Home |
|---|---|
| Details | 1,540 sqft · built 1997 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Mar 2006) |
| Tax Bill | $432 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 407-20-244T |
| Primary APN | 407-20-244T |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 1,540 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Mobile Home |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 40720244T2 |
|---|---|
| Street Address | 5190 E RUBY WAY |
| City | COTTONWOOD |
| State | AZ |
| Zip | 86326-6000 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | A REC M&B PTN W2SW4SE4NW4 SW PCL COR APPROX 326.80N OF SW COR SE 4NW4 SEC 18-15-4E CONT .26AC |
| Legal Range | 04E |
| Legal Township | 15 |
| Legal Section | 18 |
| Jurisdiction | YAVAPAI AZ |
| Township / Civil Division | MINGUS MOUNTAIN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 2002 |
Source: Yavapai County records, as of June 15, 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 | 5190 E RUBY WAY, COTTONWOOD, AZ 86326-6000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2006 · Amount on Record |
| Deed Sale | Mar 8, 2006 · Amount on Record |
| Prior Sale | Oct 29, 2003 · Amount on Record |
| Deed Document Number | 20063985452 |
| Deed Book / Page | 4372 / 113 |
| Prior Transfer Date | Mar 24, 2003 |
| Prior Transfer Doc | 0003574107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YAVAPAI AZ |
| Recording Date | May 28, 2026 |
| Property Address | 5190 E RUBY WAY, COTTONWOOD, AZ 86326-6000 |
| Document Number | 0000024321 |
| Instrument Date | May 21, 2026 |
| Instrument | 202624321 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5190 E RUBY WAY, COTTONWOOD, AZ 86326-6000 |
| Document Number | 0000024321, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202624321 |
| Name | ONEAZ CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Yavapai County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Arizona |
| County | Yavapai County |
| Elementary School District | Cottonwood-Oak Creek Elementary District (PK - 08) |
| Secondary School District | Mingus Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2027 | $64,376 (-7.85%) Land $49,177 Building $15,199 | ||
| 2025 | $432.00 (+10.49%) | $6,986 Land $5,425 Building $1,561 | $69,862 Land $54,250 Building $15,612 |
| 2022 | $391.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · 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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Feb 1993 · Severe Storms, Tornadoes & Flooding |
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 | Moderate above 53% of the US · above 42% of Arizona |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Bolt Internet Fixed Wireless | 300 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Verde Valley Internet Fixed Wireless | 100 / 25 |
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