65178 E Emerald Ridge Dr, Saddlebrooke (Tucson), AZ 85739 Property Records

Pinal County property record for 65178 E Emerald Ridge Dr, Saddlebrooke, AZ 85739

Property Summary

Property Type	Single Family Home
Details	1,804 sqft · built 1998
Lot Size	0.198 acres (8,649 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jul 2020)
Tax Bill	$2,472 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`305-74-098`

Property Details

APN / Parcel Number

Primary APN	`305-74-098`
Alternative APN	`305-74-0980`

Interior

Stories	1 Story
Building Area	1,804 sqft Living Area
1st Floor Area	1,804 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1998
Exterior Material	Other
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Material	Tile
Lot Area	8,649 sqft (0.198 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	235 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	65178 E EMERALD RIDGE DR
City	SADDLEBROOKE
State	AZ
Zip	85739-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOKE UNIT 18 (AMD): LOT 98 POR SEC 26-10S-14E 8,649. SQ F T CAB B SL 109
Legal Range	14E
Legal Township	10S
Legal Section	26
Legal Subdivision	SADDLEBROOKE UNIT 1
Legal Lot Number	98
Legal Unit	18
Jurisdiction	PINAL AZ
Township / Civil Division	SAN MANUEL
Census Block Group	2
Census Block	2047
Census Tract	604

Owner

65178 E Emerald Ridge Dr is owned and occupied by an individual who bought it in July 2020.

Source: Pinal County records, as of March 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	65178 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit PIMA FCU
Jul 15, 2020	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Prior Sale	Jun 23, 2004 · Amount on File
Deed Document Number	2020-068047
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINAL AZ
Property Address	65178 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65178 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433

Mortgage

Document Number	0000049160
Date	Apr 25, 2022
Instrument	2022-049160

Lender

Name	PIMA FCU
Type	Credit Union
Address	TUCSON, AZ 85704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINAL AZ
Recording Date	Jul 15, 2020
Property Address	65178 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Document Number	0000068047
Map Reference	CAB B SL 109
Instrument Date	Jul 8, 2020
Instrument	2020-068047
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	OLD REPUBLIC 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	65178 E EMERALD RIDGE DR, 65178, SADDLEBROOKE, AZ 85739-1433

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	65178 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433

Mortgage

Document Number	0000068048
Date	Jul 15, 2020
Instrument	2020-068048

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 65178 E Emerald Ridge Dr was $2,472.

Source: Pinal County assessment roll, as of January 1, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Pinal County
Elementary School District	Oracle Elementary District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$33,155 (-0.92%) Land $7,499 Building $25,656	$331,545 (-0.92%) Land $74,987 Building $256,558
2026		$33,463 (-2.7%) Land $7,499 Building $25,964	$334,631 (-2.7%) Land $74,987 Building $259,644
2025	$2,472.00	$34,393 (-2.57%) Land $7,499 Building $26,894	$343,927 (-2.57%) Land $74,987 Building $268,940
2024		$35,301 Land $7,499 Building $27,802	$353,004 Land $74,987 Building $278,017
2023	$2,484.00 (+8%)
2022	$2,300.00

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 65178 E Emerald Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 9, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 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 65178 E Emerald Ridge Dr is moderate, ranking above 64% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 51% of Arizona
Wildfire Likelihood	0.1% 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	LAGO DEL ORO WATER COMPANY private · serves 18,132 people · EPA ID AZ0411117
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 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	26 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Antietam Cable Cable	1,000 / 40
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
Simply Bits Fixed Wireless	100 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Bluespan Wireless.

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