6040 E Windstone Trl, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 6040 E Windstone Trl, Cave Creek, AZ 85331

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,209 sqft · built 1993
Lot Size	1.37 acres (60,069 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,000 (Sep 2022)
Tax Bill	$1,610 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Apr 2026 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`211-45-038-B`

Property Details

APN / Parcel Number

Primary APN	`211-45-038-B`
Alternative APN	`21145038B0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,209 sqft Living Area
Gross Area	2,365 sqft
1st Floor Area	2,209 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Combination
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	60,069 sqft (1.37 acres)
Parking Spaces	4 Parking Spaces
Pool Area	540 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6040 E WINDSTONE TRL
City	CAVE CREEK
State	AZ
Zip	85331-6056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-43
Legal Description	SE4 SW4 NW4 SE4 SEC 21 EX W 148F TH/OF
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	3
Census Block	3043
Census Tract	613200

Owner

Source: Maricopa County records, as of April 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 9, 2022	Warranty Deed, Transfer · Conventional Mortgage LOAN HOUSE LLC
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURITY SERVICE FCU
Apr 1, 2020	Loan Modification, Mortgage · Conventional with PMI SECURITY SVC FCU
Jul 21, 2017	Deed of Trust, Mortgage ARIZONA CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on Record
Deed Sale	Sep 9, 2022 · Amount on Record
Prior Sale	Nov 21, 2001 · Amount on Record
Deed Document Number	2022702035
Prior Transfer Date	Dec 22, 1999
Prior Transfer Doc	0001148332
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Oct 16, 2026
Property Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Document Number	0000600718
Instrument Date	Oct 9, 2026
Instrument	2026600718
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056

Mortgage

Document Number	0000600718,
Date	Oct 16, 2026
Instrument	2026600718

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2056

Interest

Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Apr 3, 2026
Property Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Document Number	0000197577
Instrument Date	Mar 30, 2026
Instrument	2026197577
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056

Mortgage

Document Number	0000197577,
Date	Apr 3, 2026
Instrument	2026197577

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 9, 2022
Property Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Document Number	0000702035
Instrument Date	Sep 6, 2022
Instrument	20220702035
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	298 HARRIS LOOP, KINGSLAND, TX 78639

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056

Mortgage

Document Number	0000702036
Date	Sep 9, 2022
Instrument	20220702036

Lender

Name	LOAN HOUSE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0000702037
Date	Sep 9, 2022
Instrument	20220702037

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114789
Date	Feb 11, 2020
Instrument	20200114789

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARICOPA AZ
Property Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Document Number	0000528099
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6040 E WINDSTONE TRL CAVE CREEK AZ 853316056, CAVE CREEK, AZ 85331-6056

Mortgage

Document Number	0000528099
Date	Jun 17, 2020
Instrument	528099

Lender

Name	SECURITY SVC FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 16, 2035

Interest

Rate Type	Fixed Rate
Rate	2%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6040 E WINDSTONE TRL, CAVE CREEK, AZ 85331-6056
Document Number	0000554435
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	846 FAWNWAY SAN ANTONIO TX 782604311, SAN ANTONIO, TX 78260-4311

Mortgage

Document Number	0000554435
Date	Jul 28, 2017
Instrument	554435

Lender

Name	ARIZONA CTRL CU
Type	Credit Union
Address	PHOENIX, AZ 85004

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 27, 2022

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,320 (+96.54%)	$823,200 (+2.41%) Land $164,600 Building $658,600
2025	$1,610.00 (+6.27%)	$41,885 (-49.41%)	$803,800 (-2.92%) Land $160,700 Building $643,100
2024		$82,800	$828,000 Land $165,600 Building $662,400
2023	$1,515.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 49 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	7 (2002–2007)
Most Recent Claim	Aug 2007 · 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	Moderate above 45% of the US · lower than 63% of Arizona
Wildfire Likelihood	0.06% 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 SCOTTSDALE serves 241,361 people · EPA ID AZ0407098
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
Verizon Fixed Wireless	300 / 20
Mojo Broadband Fixed Wireless	250 / 50
CenturyLink DSL	100 / 10

May also be available: AirFiber WISP, AT&T, T-Mobile.

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