646 S Oak Ln, Thatcher, AZ 85552 Property Records

Graham County property record for 646 S Oak Ln, Thatcher, AZ 85552

Property Summary

Property Type	Single Family Home
Details	2,606 sqft · built 2015
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (May 2014)
Tax Bill	$2,561 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`104-31-043`

Property Details

APN / Parcel Number

Primary APN	`104-31-043`

Interior

Stories	1 Story
Building Area	2,606 sqft Living Area
Gross Area	3,347 sqft
1st Floor Area	2,606 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Concrete
Lot Area	49,223 sqft (1.13 acres)
Garage Type	Attached
Garage Area	741 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	646 S OAK LN
City	THATCHER
State	AZ
Zip	85552-5741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 DOUBLE D RANCH SUBD 104-31-027F NOW 037-061 LOTS 1-24 & TRA CT A 2008 SPLIT
Legal Range	25E
Legal Township	07S
Legal Section	12
Legal Subdivision	DOUBLE D RANCH SUBD
Legal Tract	A
Legal Lot Number	7
Jurisdiction	GRAHAM AZ
Township / Civil Division	SAFFORD
Census Block Group	1
Census Block	1002
Census Tract	961202

Owner

646 S Oak Ln is owned and occupied by two individuals who acquired it in September 2020.

Source: Graham County records, as of April 8, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	646 S OAK LN, THATCHER, AZ 85552-5741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Intrafamily Transfer, Transfer · Line of Credit AMERICAN SOUTHWEST CU
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage LHM FINANCIAL CORP
Dec 28, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Dec 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage LHM FINANCIAL CORP
Oct 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2014 · Amount on File
Deed Sale	May 1, 2014 · Amount on File
Deed Document Number	20141618
Last Transfer Date	Sep 14, 2020
Transfer Doc	0000005540
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAHAM AZ
Recording Date	Oct 5, 2022
Property Address	646 S OAK LN, THATCHER, AZ 85552-5741
Document Number	0000006168
Map Reference	FILE 218&219
Instrument Date	Sep 30, 2022
Instrument	2022-06168
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	STEWART TITLE, STEWART TTL & TR OF PHOENIX

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	Community Property with Right of Survivorship

Mortgage

Document Number	0000006169
Date	Oct 5, 2022
Instrument	2022-06169

Lender

Name	AMERICAN SOUTHWEST CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAHAM AZ
Property Address	646 S OAK LN, THATCHER, AZ 85552-5741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001517
Date	Mar 27, 2020
Instrument	2020-01517

Lender

Name	LHM FINANCIAL CORP
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

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

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAHAM AZ
Recording Date	Dec 28, 2020
Property Address	646 S OAK LN, THATCHER, AZ 85552-5741
Document Number	0000006850
Instrument Date	Dec 21, 2020
Instrument	6850
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	646 S OAK LN THATCHER AZ 855525741, THATCHER, AZ 85552-5741

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAHAM AZ
Recording Date	Dec 28, 2020
Property Address	646 S OAK LN, THATCHER, AZ 85552-5741
Document Number	0000006848
Map Reference	FILE 2018&2019
Instrument Date	Dec 21, 2020
Instrument	2020-06848
Transaction Type	Transfer
Record Updated	Apr 26, 2022
Title Company	FIRST AMERICAN TITLE INS CO

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
Address	646 S OAK LN, THATCHER, AZ 85552-5741

Mortgage

Document Number	0000006849
Date	Dec 28, 2020
Instrument	2020-06849

Lender

Name	LHM FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAHAM AZ
Recording Date	Oct 22, 2020
Property Address	646 S OAK LN, THATCHER, AZ 85552-5741
Document Number	0000005540
Instrument Date	Sep 14, 2020
Instrument	5540
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	646 S OAK LN THATCHER AZ 855525741, THATCHER, AZ 85552-5741

Tax Assessment & Valuation

The 2025 property tax bill for 646 S Oak Ln was $2,561.

Source: Graham County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Graham County
Municipality	Thatcher Town
Unified School District	Thatcher Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027			$497,831 Land $76,537 Building $421,294
2025	$2,561.00	$46,413 Land $7,654 Building $38,759	$464,123 Land $76,537 Building $387,586
2023	$2,227.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 646 S Oak Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective April 29, 2026 · 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2015–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2016 · 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

Wildfire risk around 646 S Oak Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 87% of Arizona
Wildfire Likelihood	0.04% 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	CITY OF SAFFORD serves 20,600 people · EPA ID AZ0405005
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2017
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Nov 2024
Monitoring and Reporting	7 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Valley Telecom Group Fiber	1,000 / 100
Sparklight Cable	1,000 / 50

May also be available: Bluespan Wireless, Verizon.

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