65192 E Emerald Ridge Dr, Saddlebrooke (Tucson), AZ 85739 Property Records

Pinal County property record for 65192 E Emerald Ridge Dr, Saddlebrooke, AZ 85739

Property Summary

Property Type	Single Family Home
Details	1,888 sqft · built 1996
Lot Size	0.236 acres (10,260 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Sep 2016)
Tax Bill	$2,820 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305-74-097`

Property Details

APN / Parcel Number

Primary APN	`305-74-097`
Alternative APNs	`305-74-0970` `3057409702`

Interior

Stories	1 Story
Building Area	1,888 sqft Living Area
Gross Area	2,434 sqft
1st Floor Area	1,888 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Wood
Roof Type	Hip
Roof Material	Concrete
Lot Area	10,260 sqft (0.236 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	494 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	65192 E EMERALD RIDGE DR
City	TUCSON
State	AZ
Zip	85739-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBROOKE UNIT 18 (AMD): LOT 97 POR SEC 26-10S-14E 10,260. SQ FT CAB B SL 109
Legal Range	14E
Legal Township	10S
Legal Section	26
Legal Subdivision	SADDLEBROOKE UNIT 18
Legal Lot Number	97
Legal Unit	18
Jurisdiction	PINAL AZ
Township / Civil Division	SAN MANUEL
Census Block Group	2
Census Block	2047
Census Tract	604

Owner

65192 E Emerald Ridge Dr is owned and occupied by two individuals who bought it in September 2016.

Source: Pinal County records, as of May 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	65192 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 14, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 28, 2022	Deed of Trust, Mortgage · VA Mortgage WFG NATIONAL TITLE INSURANCE
Feb 14, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2016 · Amount on File
Deed Sale	Sep 7, 2016 · Amount on File
Prior Sale	Jul 17, 2013 · Amount on File
Deed Document Number	201659854
Prior Transfer Date	Jun 5, 1996
Prior Transfer Doc	0000033343
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINAL AZ
Property Address	65192 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Transaction Type	Mortgage
Record Updated	Jul 27, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65192 E EMERALD RIDGE DR, TUCSON, AZ 85739-1433

Mortgage

Document Number	0000046228
Date	Apr 14, 2021
Instrument	2021-046228

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINAL AZ
Property Address	65192 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65192 E EMERALD RIDGE DR, TUCSON, AZ 85739-1433

Mortgage

Document Number	0000023419
Date	Feb 28, 2022
Instrument	2022-023419

Lender

Name	WFG NATIONAL TITLE INSURANCE
Type	Insurance Company
Address	COLUMBIA, SC 29204

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINAL AZ
Property Address	65192 E EMERALD RIDGE DR, SADDLEBROOKE, AZ 85739-1433
Document Number	0000016295
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	65192 E EMERALD RIDGE DR TUCSON AZ 857391433, TUCSON, AZ 85739-1433

Mortgage

Document Number	0000016295
Date	Feb 24, 2020
Instrument	16295

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 65192 E Emerald Ridge Dr was $2,820, up 3.9% from the year before.

Source: Pinal County assessment roll, as of May 16, 2025

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		$38,281 (-1.22%) Land $7,500 Building $30,781	$382,812 (-1.22%) Land $75,001 Building $307,811
2026		$38,754 (-2.02%) Land $7,500 Building $31,254	$387,540 (-2.01%) Land $75,001 Building $312,539
2025	$2,820.00 (+3.94%)	$39,551 (-1.67%)	$395,505 (-1.67%) Land $75,001 Building $320,504
2024	$2,713.00 (-4.27%)	$40,222 Land $7,500 Building $32,722	$402,221 Land $75,001 Building $327,220
2023	$2,834.00 (+8%)
2022	$2,624.00

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 65192 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 65192 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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