648 N Oracle, Mesa, AZ 85203 Property Records

Maricopa County property record for 648 N Oracle, Mesa, AZ 85203

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,804 sqft · built 1979
Lot Size	0.232 acres (10,123 sqft)
Owner	Individual Name on Record
Last Sale	$99,000 (Nov 1995)
Tax Bill	$1,339 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`137-01-187`

Property Details

APN / Parcel Number

Primary APN	`137-01-187`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,804 sqft Living Area
1st Floor Area	1,804 sqft

Exterior

Year Built	Built 1979
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	10,123 sqft (0.232 acres)
Parking Spaces	2 Parking Spaces
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	648 N ORACLE
City	MESA
State	AZ
Zip	85203-6635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-9
Legal Description	COURY ESTATES UNIT FOUR PER MCR 187-35
Legal Range	05E
Legal Township	01N
Legal Section	13
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	COURY ESTATES UNIT 4
Legal Lot Number	204
Legal Unit	4
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1006
Census Tract	420800

Owner

Source: Maricopa County records, as of November 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	648 N ORACLE, MESA, AZ 85203-6635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 2, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 1995 · Amount on Record
Deed Sale	Nov 22, 1995 · Amount on Record
Prior Sale	Nov 22, 1995 · Amount on Record
Deed Document Number	0000720303
Deed Book / Page	137
Last Transfer Date	Jan 31, 2022
Transfer Doc	0000091633
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 N ORACLE, MESA, AZ 85203-6635
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 N ORACLE, MESA, AZ 85203-6635

Mortgage

Document Number	0000570596
Date	Nov 2, 2023
Instrument	20230570596

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2033

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jan 31, 2022
Property Address	648 N ORACLE, MESA, AZ 85203-6635
Document Number	0000091633
Map Reference	MB 187 PG 35
Instrument Date	Jan 25, 2022
Instrument	20220091633
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL AGCY OF

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	648 N ORACLE, MESA, AZ 85203-6635

Mortgage

Document Number	0000091634
Date	Jan 31, 2022
Instrument	20220091634

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 N ORACLE, MESA, AZ 85203-6635
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	DRIGGS TITLE AGENCY INC-NV, DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 N ORACLE, MESA, AZ 85203-6635

Mortgage

Document Number	0000193765
Date	Feb 22, 2021
Instrument	20210193765

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 N ORACLE, MESA, AZ 85203-6635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000752383
Date	Oct 11, 2017
Instrument	2017-0752383

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2032

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 N ORACLE, MESA, AZ 85203-6635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 N ORACLE, MESA, AZ 85203-6635

Mortgage

Document Number	0000228154
Date	Apr 2, 2019
Instrument	20190228154

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 N ORACLE, MESA, AZ 85203-6635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463743
Date	May 29, 2020
Instrument	20200463743

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,480 (-5.15%)	$364,800 (-5.15%) Land $72,900 Building $291,900
2025	$1,339.00 (-1.03%)
2024		$38,460	$384,600 Land $76,900 Building $307,700
2023	$1,353.00

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 AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2005–2014)
Most Recent Claim	Sep 2014 · Severe Storms And Flooding

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	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.

Drinking Water

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

Water System	CITY OF MESA serves 466,000 people · EPA ID AZ0407095
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	24 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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400

May also be available: CenturyLink, GeoLinks, Google Fiber, Verizon.

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