645 N 97th St, Mesa, AZ 85207 Property Records

Maricopa County property record for 645 N 97th St, Mesa, AZ 85207

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,394 sqft · built 1982
Lot Size	0.186 acres (8,115 sqft)
Owner	Individual Name on File
Last Sale	$429,900 (Apr 2025)
Tax Bill	$716 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2023 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`220-22-122`

Property Details

APN / Parcel Number

Primary APN	`220-22-122`
Alternative APN	`220221225`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,394 sqft Living Area
1st Floor Area	1,394 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	8,115 sqft (0.186 acres)
Parking Spaces	1 Parking Space
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 N 97TH ST
City	MESA
State	AZ
Zip	85207-6205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	DESERT AIR UNIT 4C MCR 208-06
Legal Range	7E
Legal Township	1N
Legal Section	15
Legal Subdivision	DESERT AIR UNIT 4C
Legal Lot Number	99
Legal Unit	4-C
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	3
Census Block	3007
Census Tract	420111

Owner

645 N 97th St is owned and occupied by an individual who bought it in April 2025.

Source: Maricopa County records, as of February 2, 2026

Owner of Record	Individual Name on File
Mailing Address	645 N 97TH ST, MESA, AZ 85207-6205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Sep 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage SHAHARYAR ASHRAF
Oct 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage SHAHARYAR ASHRAF
Sep 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage JL CONSULTANT LLC
Jan 25, 2022	Warranty Deed, Construction Loan · Construction Mortgage CAPITAL FUND I LLC
Jan 25, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 9, 2020	Foreclosure PREMIUM TITLE AGENCY, PREMIUM TITLE AGCY
Sep 1, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2025 · Amount on File
Deed Sale	Apr 4, 2025 · Amount on File
Prior Sale	Dec 5, 2024 · Amount on File
Deed Document Number	2025188618
Prior Transfer Date	Jan 25, 2022
Prior Transfer Doc	0000073665
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 N GILBERT RD 2162, 2162, MESA, AZ 85203-2139

Mortgage

Document Number	0000509126
Date	Sep 28, 2023
Instrument	20230509126

Lender

Name	SHAHARYAR ASHRAF
Type	Private Party
Address	5888 W YUMA MINE CIR, TUCSON, AZ 85743

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 N GILBERT RD 2162, 2162, MESA, AZ 85203-2139

Mortgage

Document Number	0000536772
Date	Oct 16, 2023
Instrument	20230536772

Lender

Name	SHAHARYAR ASHRAF
Type	Private Party
Address	5888 W YUMA MINE CIR, TUCSON, AZ 85743

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 N GILBERT RD 2162, 2162, MESA, AZ 85203-2139

Mortgage

Document Number	0000509125
Date	Sep 28, 2023
Instrument	20230509125

Lender

Name	JL CONSULTANT LLC
Type	Non-Lending Institution
Address	PHOENIX, AZ 85009

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 25, 2022
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Document Number	0000073666
Map Reference	MB 208 PG 6
Instrument Date	Jan 14, 2022
Instrument	20220073666
Transaction Type	Construction Loan
Record Updated	Jul 15, 2022
Title Company	GRAND CANYON TITLE AGENCY

Transaction

Amount	Amount 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	14040 N CAVE CREEK RD STE 210, 14040, PHOENIX, AZ 85022-6179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 N GILBERT RD, MESA, AZ 85203-2139

Mortgage

Document Number	0000073667
Date	Jan 25, 2022
Instrument	20220073667

Lender

Name	CAPITAL FUND I LLC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 25, 2022
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Document Number	0000073665
Map Reference	MB 208 PG 6
Instrument Date	Dec 15, 2021
Instrument	20220073665
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

November 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	MARICOPA AZ
Recording Date	Nov 9, 2020
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Document Number	0001089518
Instrument Date	Nov 3, 2020
Instrument	1089518
Transaction Type	Foreclosure
Record Updated	Nov 13, 2020
Title Company	PREMIUM TITLE AGENCY, PREMIUM TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$121.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 N 97TH ST MESA AZ 852076205, MESA, AZ 85207-6205

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 1, 2020
Property Address	645 N 97TH ST, MESA, AZ 85207-6205
Document Number	0000812601
Instrument Date	Jun 17, 2020
Instrument	812601
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14040 N CAVE CREEK RD #210 PHOENIX AZ 850226179, 210, PHOENIX, AZ 85022-6179

Tax Assessment & Valuation

The 2025 property tax bill for 645 N 97th St was $716.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,070 (+202.37%)	$290,700 (+7.95%) Land $58,100 Building $232,600
2025	$716.00	$9,614 (-68.07%)	$269,300 (-10.56%) Land $53,800 Building $215,500
2024		$30,110 (+14.57%)	$301,100 (+14.57%) Land $60,200 Building $240,900
2023	$877.00 (+2.45%)	$26,280 Land $5,250 Building $21,030	$262,800 Land $52,500 Building $210,300
2022	$856.00

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 645 N 97th St in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1984.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1984)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1984 · tidal / storm surge

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

The area around 645 N 97th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 150
CenturyLink DSL · Fiber in parts of the area	140 / 20
AirFiber WISP Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CopperNet Systems, Verizon.

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