1. Home
  2. Arizona
  3. Yavapai County
  4. Clarkdale
  5. Ruffner Ln

554 Ruffner Ln, Clarkdale, AZ 86324 Property Records

Yavapai County property record for 554 Ruffner Ln, Clarkdale, AZ 86324

Property Summary

Property TypeSingle Family Home
Details1,706 sqft · built 2018
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on Record
Last Sale$1,000,000 (Dec 2017)
Tax Bill$2,318 (2025)
Deeds & MortgagesJun 2023 Reverse Mortgage
Feb 2020 Loan Modification
+ 3 more
Flood ZoneZone X (minimal risk)
APN400-06-459

Property Details

APN / Parcel Number

Primary APN400-06-459
Alternative APNs
  • 4000645907
  • 400064597

Interior

Stories1 Story
Building Area1,706 sqft Living Area
Gross Area2,220 sqft
1st Floor Area1,706 sqft

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialStucco
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area5,227 sqft (0.12 acres)
Garage TypeAttached
Garage Area514 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area182 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number400064597
Street Address554 RUFFNER LN
CityCLARKDALE
StateAZ
Zip86324-3414
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMOUNTAIN GATE REPLAT LOTS 117 THRU 164, 169 THRU 245, 328 THRU 50 6 AND 594 THRU 605, LOT 404R
Legal Range02E
Legal Township16
Legal Section20
Legal SubdivisionMOUNTAIN GATE
Legal Lot Number404
JurisdictionYAVAPAI AZ
Township / Civil DivisionMINGUS MOUNTAIN
Census Block Group2
Census Block2021
Census Tract1901

Owner

Source: Yavapai County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address362 MALACHITE DR, CLARKDALE, AZ 86324-3437
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Jun 1, 2023Deed of Trust, Mortgage · Reverse Mortgage
LONGBRIDGE FINANCIAL LLC
Feb 24, 2020Loan Modification, Mortgage
M&T BK
Dec 18, 2018Grant Deed, Transfer
STEWART TITLE, STEWART TITLE & TR/PHOENIX
May 18, 2018Loan Modification, Mortgage
M&T BK
Dec 18, 2017Special Warranty Deed, Transfer · Construction Mortgage
M & T BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 18, 2017 · Amount on Record
Deed SaleDec 18, 2017 · Amount on Record
Deed Document Number201765512
Last Transfer DateMay 22, 2024
Transfer Doc0000021522
Record UpdatedJun 8, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionYAVAPAI AZ
Property Address554 RUFFNER LN, CLARKDALE, AZ 86324-3414
Transaction TypeMortgage
Record UpdatedApr 29, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address554 RUFFNER LN, CLARKDALE, AZ 86324-3414

Mortgage

Document Number0000023735
DateJun 1, 2023
Instrument2023-0023735
Lender
NameLONGBRIDGE FINANCIAL LLC
TypeReverse Mortgage Lender
AddressMAHWAH, NJ 07495
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term912 Months
DueJun 14, 2099
Interest
Rate TypeAdjustable Rate
Rate7.66%
Type Change DateJul 1, 2023
Change FrequencyMonthly
Min Rate At Change1.25%
Max Rate At Change12.6%
Index1-Year T-Bill
Max Rate12.6%

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionYAVAPAI AZ
Property Address554 RUFFNER LN, CLARKDALE, AZ 86324-3414
Document Number0000013505
Instrument DateFeb 24, 2020
Transaction TypeMortgage
Record UpdatedApr 16, 2020
Title CompanySTEWART TITLE, STEWART TITLE & TR

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2320 E BASELINE ROAD 148-605 PHOENIX AZ 85042, PHOENIX, AZ 85042

Mortgage

Document Number0000013505
DateMar 10, 2020
Instrument13505
Lender
NameM&T BK
TypeBank
AddressMESA, AZ 85204
Agreement
AmountAmount Recorded

December 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionYAVAPAI AZ
Recording DateDec 18, 2018
Property Address554 RUFFNER LN, CLARKDALE, AZ 86324-3414
Document Number0000064368
Instrument DateOct 25, 2018
Instrument64368
Transaction TypeTransfer
Record UpdatedJan 8, 2019
Title CompanySTEWART TITLE, STEWART TITLE & TR/PHOENIX

Transaction

AmountAmount Recorded
Tax$279.57
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
AddressPO BOX 1237 CLARKDALE AZ 863241237, CLARKDALE, AZ 86324-1237

May 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionYAVAPAI AZ
Recording DateMay 18, 2018
Property Address554 RUFFNER LN, CLARKDALE, AZ 86324-3414
Instrument DateApr 26, 2018
Instrument25691
Transaction TypeMortgage
Record UpdatedMar 15, 2019
Title CompanySTEWART TITLE, STEWART TITLE & TR

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2320 E BASELINE RD #148-605 PHOENIX AZ 850426951, 148-60, PHOENIX, AZ 85042-6951

Mortgage

Document Number0000025691
DateMay 18, 2018
Instrument25691
Lender
NameM&T BK
TypeBank
Address1630 S STAPLEY DR # 106, MESA, AZ 85204-6658
Agreement
AmountAmount Recorded
Term12 Months
DueMay 17, 2019
Interest
Rate TypeAdjustable Rate

December 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionYAVAPAI AZ
Recording DateDec 18, 2017
Property Address554 RUFFNER LN, CLARKDALE, AZ 86324-3414
Document Number0000065512
Map ReferenceMB 54 PG 19
Instrument DateDec 15, 2017
Instrument2017-0065512
Transaction TypeTransfer
Record UpdatedJul 19, 2022
Title CompanySTEWART TITLE GURANTY COMMER

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address28025 ACANA RD, 28025, RANCHO PALOS VERDES, CA 90275-3209

Transferred To (Grantee/Buyer)

NameVerified Name
Address1955 COMMERCE CENTER CIR STE A, A, PRESCOTT, AZ 86301-7410
InvestorPossibly a Property Investor

Mortgage

Document Number0000065516
DateDec 18, 2017
Instrument2017-0065516
Lender
NameM & T BANK
TypeBank
AddressMESA, AZ 85204
Agreement
TypeConstruction Mortgage
Term18 Months
DueJun 15, 2019

Tax Assessment & Valuation

Source: Yavapai County assessment roll, as of April 29, 2026

Property Jurisdictions

TypeName
StateArizona
CountyYavapai County
MunicipalityClarkdale Town
Elementary School DistrictClarkdale-Jerome Elementary District (PK - 08)
Secondary School DistrictMingus Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2027$39,370 (+2.66%)$393,695 (+2.66%) Land $85,765 Building $307,930
2025$2,318.00 (+8.22%)$38,351 Land $8,180 Building $30,171$383,508 Land $81,800 Building $301,708
2022$2,142.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 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 RiskModerate
above 43% of the US · lower than 64% of Arizona
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCLARKDALE MUNICIPAL WATER SYSTEM
private · serves 5,201 people · EPA ID AZ0413024
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 554 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Sparklight
Cable		1,000 / 50
Bolt Internet
Fixed Wireless		300 / 100
Verizon
Fixed Wireless		300 / 20
Verde Valley Internet
Fixed Wireless		100 / 25
T-Mobile
Fixed Wireless		100 / 20

Nearby Properties on Ruffner Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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