6436 E Arroyo Rd, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 6436 E Arroyo Rd, Cave Creek, AZ 85331

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,347 sqft · built 1997
Lot Size	2.19 acres (95,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$698,000 (Jan 2020)
Tax Bill	$2,385 (2025)
Deeds & Mortgages	Apr 2022 Transfer Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`216-12-027`

Property Details

APN / Parcel Number

Primary APN	`216-12-027`
Alternative APN	`216120277`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,347 sqft Living Area
Gross Area	2,872 sqft
1st Floor Area	2,347 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	95,475 sqft (2.19 acres)
Parking Spaces	5 Parking Spaces
Pool Area	350 sqft
Patio Area	123 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6436 E ARROYO RD
City	CAVE CREEK
State	AZ
Zip	85331-8226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-89
Legal Description	RIDGECREST HIGHLANDS MCR 72/33
Legal Range	4E
Legal Township	6N
Legal Section	22
Legal Subdivision	RIDGECREST HIGHLANDS
Legal Lot Number	23
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	2
Census Block	2025
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	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Intrafamily Transfer, Transfer
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 13, 2020	Deed of Trust, Mortgage · Line of Credit ALASKA USA FCU
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2020 · Amount on Record
Deed Sale	Jan 17, 2020 · Amount on Record
Prior Sale	Jan 25, 2002 · Amount on Record
Deed Document Number	202046618
Prior Transfer Date	Jan 22, 1996
Prior Transfer Doc	0000059999
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Apr 6, 2022
Property Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226
Document Number	0000308361
Map Reference	MB 72 PG 33
Instrument Date	Mar 23, 2022
Instrument	20220308361
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226

Mortgage

Document Number	0001079841
Date	Oct 6, 2021
Instrument	20211079841

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226

Mortgage

Document Number	0000891292
Date	Sep 22, 2020
Instrument	20200891292

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226
Document Number	0000046620
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E CAREFREE HWY PHOENIX AZ 850858839, PHOENIX, AZ 85085-8839

Mortgage

Document Number	0000046620
Date	Jan 17, 2020
Instrument	46620

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99519-6613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2050

Interest

Rate Type	Adjustable Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 17, 2020
Property Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226
Document Number	0000046618
Map Reference	MB 72 PG 33
Instrument Date	Nov 25, 2019
Instrument	20200046618
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST AMERICAN TITLE INS CO

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	PO BOX 1510, CAVE CREEK, AZ 85327-1510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6436 E ARROYO RD, CAVE CREEK, AZ 85331-8226

Mortgage

Document Number	0000046619
Date	Jan 17, 2020
Instrument	20200046619

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Mortgage

Document Number	0000046620
Date	Jan 17, 2020
Instrument	20200046620

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99519

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$99,120 (+59.7%)	$991,200 (+6.98%) Land $198,200 Building $793,000
2025	$2,385.00 (+6.19%)	$62,068 (-33.08%)	$926,500 (-0.11%) Land $185,300 Building $741,200
2024		$92,750	$927,500 Land $185,500 Building $742,000
2023	$2,246.00

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
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	Low lower than 64% of the US · lower than 71% of Arizona
Wildfire Likelihood	0.02% 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 66 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

May also be available: AT&T, CenturyLink, Cox Communications, T-Mobile.

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