5528 E Windstone Trl, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 5528 E Windstone Trl, Cave Creek, AZ 85331

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,761 sqft · built 2014
Lot Size	0.4 acres (17,463 sqft)
Owner	Individual Name on Record
Last Sale	$1,498,000 (Jul 2025)
Tax Bill	$4,857 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`211-89-481`

Property Details

APN / Parcel Number

Primary APN	`211-89-481`

Interior

Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	4,761 sqft Living Area
1st Floor Area	2,426 sqft
2nd Floor Area	2,335 sqft

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	17,463 sqft (0.4 acres)
Parking Spaces	3 Parking Spaces
Pool Area	604 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	5528 E WINDSTONE TRL
City	CAVE CREEK
State	AZ
Zip	85331-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-18
Legal Description	MONTEVISTA MCR 938-06
Legal Range	04E
Legal Township	05N
Legal Section	20
Legal Quarter	SE
Quarter-Quarter Section	NE
Legal Subdivision	MONTE VISTA
Legal Lot Number	161
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	1
Census Block	1042
Census Tract	613000

Owner

Source: Maricopa County records, as of November 20, 2025

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	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 16, 2024	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 9, 2020	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	Feb 17, 2015
Deed Document Number	20250439889
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424

Mortgage

Document Number	0000726069
Date	Dec 17, 2025
Instrument	20250726069

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 29232, PHOENIX, AZ 85038-9232

Mortgage

Document Number	0000020480
Date	Jan 16, 2024
Instrument	20240020480

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424

Mortgage

Document Number	0000233606
Date	Mar 15, 2022
Instrument	20220233606

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	Other
Max Rate	8.25%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	5528 E WINDSTONE TRL, CAVE CREEK, AZ 85331-2424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000837400
Date	Sep 9, 2020
Instrument	20200837400

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Unified School District	Cave Creek Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,660 (-1.32%)	$1,376,600 (-1.32%) Land $275,300 Building $1,101,300
2025	$4,857.00 (+7.27%)
2024		$139,500	$1,395,000 Land $279,000 Building $1,116,000
2023	$4,528.00

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 October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk · 1% annual chance, depth under 1 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	7 (2007–2022)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jul 2022 · 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	Low lower than 94% of the US · lower than 99.1% of Arizona
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	CITY OF PHOENIX serves 1,695,000 people · EPA ID AZ0407025
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 500
AirFiber WISP Fixed Wireless	1,000 / 500
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mojo Broadband.

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