6146 E Arroyo Rd, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 6146 E Arroyo Rd, Cave Creek, AZ 85331

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,037 sqft · built 1968
Lot Size	2.11 acres (92,173 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jun 2016)
Tax Bill	$1,350 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2017 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`211-03-009-R`

Property Details

APN / Parcel Number

Primary APN	`211-03-009-R`
Alternative APN	`21103009R7`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,037 sqft Living Area
Gross Area	2,472 sqft
1st Floor Area	2,037 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Tile
Lot Area	92,173 sqft (2.11 acres)
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Porch
Patio Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6146 E ARROYO RD
City	CAVE CREEK
State	AZ
Zip	85331-8262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-89
Legal Description	S2 E2 SE4 NW4 SE4 SEC 21 T6N R4E EX S 50F TH/OF
Legal Range	4E
Legal Township	6N
Legal Section	21
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	2
Census Block	2013
Census Tract	30402

Owner

Source: Maricopa County records, as of October 22, 2025

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	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES SENATE FCU
Jun 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES SENATE FCU
Apr 21, 2017	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE
Jan 26, 2021	Deed of Trust, Mortgage · VA Mortgage V I P MORTGAGE INC
Dec 4, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2016 · Amount on Record
Deed Sale	Jun 28, 2016 · Amount on Record
Prior Sale	Jan 8, 2009 · Amount on Record
Deed Document Number	2016453464
Prior Transfer Date	Apr 25, 1996
Prior Transfer Doc	0000391332
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262

Mortgage

Document Number	0000610652
Date	Jul 29, 2022
Instrument	20220610652

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000406867
Date	Jun 5, 2017
Instrument	2017-0406867

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 5, 2032

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000406868
Date	Jun 5, 2017
Instrument	2017-0406868

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 5, 2027

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000285866
Date	Apr 21, 2017
Instrument	2017-0285866

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262

Mortgage

Document Number	0000088736
Date	Jan 26, 2021
Instrument	20210088736

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6146 E ARROYO RD, CAVE CREEK, AZ 85331-8262
Document Number	0000994540
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	NETCO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6146 E ARROYO RD CAVE CREEK AZ 853318262, CAVE CREEK, AZ 85331-8262

Mortgage

Document Number	0000994540
Date	Dec 9, 2019
Instrument	994540

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,070 (+74.21%)	$760,700 (+7.35%) Land $152,100 Building $608,600
2025	$1,350.00 (-14.56%)	$43,665 (-36.95%)	$708,600 (+2.31%) Land $141,700 Building $566,900
2024		$69,260	$692,600 Land $138,500 Building $554,100
2023	$1,580.00

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
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2005–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 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 56% of the US · above 44% of Arizona
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	CAVE CREEK WATER private · serves 5,895 people · EPA ID AZ0407016
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jul 2019
Monitoring and Reporting	None 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AirFiber WISP Fixed Wireless	1,000 / 500
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
Mojo Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	25 / 3

May also be available: CenturyLink, Cox Communications.

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