627 E Phoenix St, Payson, AZ 85541 Property Records

Gila County property record for 627 E Phoenix St, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,771 sqft · built 1995
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Trust Names on File
Last Sale	$265,000 (Jul 2013)
Tax Bill	$2,832 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304-57-094`

Property Details

APN / Parcel Number

Primary APN	`304-57-094`
Alternative APNs	`R034322` `034322`

Interior

Stories	1 Story
Building Area	1,771 sqft Living Area
Gross Area	2,211 sqft
1st Floor Area	1,771 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Roof Material	Asbestos
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	R034322
Street Address	627 E PHOENIX ST
City	PAYSON
State	AZ
Zip	85541-5664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 10 TOWNSHIP: 10N RANGE: 10E LOT 94 OF ELK RIDGE OF PLAT 675SW1/4 NE1/4 SEC 10 T10N R10E = 0.31 AC (OUT OF 304-19-308C)
Legal Range	10E
Legal Township	10N
Legal Section	10
Legal Subdivision	ELK RIDGE
Legal Lot Number	94
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	2
Census Block	2045
Census Tract	500

Owner

627 E Phoenix St is owner-occupied and held in a trust since July 2013.

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

Owner of Record	2 Trust Names on File
Mailing Address	627 E PHOENIX ST, PAYSON, AZ 85541-5664
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK
Mar 26, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2013 · Amount on File
Deed Sale	Jul 1, 2013 · Amount on File
Deed Document Number	20137801
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	627 E PHOENIX ST, PAYSON, AZ 85541-5664
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 E PHOENIX ST, PAYSON, AZ 85541-5664

Mortgage

Document Number	0000003029
Date	Mar 25, 2026
Instrument	2026-003029

Lender

Name	NBKC BANK
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Mar 26, 2024
Property Address	627 E PHOENIX ST, PAYSON, AZ 85541-5664
Document Number	0000002604
Map Reference	MAP 675&675A
Instrument Date	Mar 14, 2024
Instrument	2024-002604
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	627 E PHOENIX ST, PAYSON, AZ 85541-5664

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	627 E PHOENIX ST, PAYSON, AZ 85541-5664

Mortgage

Document Number	0000002605
Date	Mar 26, 2024
Instrument	2024-002605

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	627 E PHOENIX ST, PAYSON, AZ 85541-5664
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST ARIZONA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004791
Date	Apr 29, 2020
Instrument	2020-004791

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company
Address	TUCSON, AZ 85711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 627 E Phoenix St was $2,832.

Source: Gila County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Gila County
Municipality	Payson Town
Unified School District	Payson Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,580 Land $7,212 Building $35,368	$425,808 Land $72,125 Building $353,683
2025	$2,832.00
2024		$41,069 Land $6,857 Building $34,212	$410,692 Land $68,567 Building $342,125
2023	$2,630.00

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

FEMA maps place 627 E Phoenix St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 30, 2025 · 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 File median of 11 policies
Nearby Flood Policies	11 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

Wildfire risk around 627 E Phoenix St is high, ranking above 87% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 80% of Arizona
Wildfire Likelihood	0.5% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF PAYSON serves 17,682 people · EPA ID AZ0404032
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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