Gila County property record for 704 W Saddle Ln, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,200 sqft · built 1978 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $162,000 (Sep 2007) |
| Tax Bill | $1,254 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-36-266 |
| Primary APN | 302-36-266 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asbestos |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Canopy | 200 sqft |
| Cooling System | A/C Chilled Water |
|---|---|
| Heating System | Hot Water |
| Account Number | R022164 |
|---|---|
| Street Address | 704 W SADDLE LN |
| City | PAYSON |
| State | AZ |
| Zip | 85541-3048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 97 SECTION: 28 TOWNSHIP: 11N RANGE: 10E PAYSON RANCHOS #3 LOT 97 |
| Legal Range | 10E |
| Legal Township | 11N |
| Legal Section | 28 |
| Legal Subdivision | PAYSON RANCHOS |
| Legal Lot Number | 97 1002 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 302 |
704 W Saddle Ln is owned and occupied by an individual who bought it in September 2007.
Source: Gila County records, as of December 4, 2025
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 704 W SADDLE LN, PAYSON, AZ 85541-3048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| May 4, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2007 · Amount on File |
| Deed Sale | Sep 19, 2007 · Amount on File |
| Deed Document Number | 0000015676 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 704 W SADDLE LN, PAYSON, AZ 85541-3048 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PIONEER TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000012354 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 2020-012354 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 704 W SADDLE LN, PAYSON, AZ 85541-3048 |
| Document Number | 0000005026 |
| Instrument Date | May 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2018 |
| Title Company | TITLE SOURCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 704 W SADDLE LN PAYSON AZ 855413048, PAYSON, AZ 85541-3048 |
| Document Number | 0000005026 |
|---|---|
| Date | May 10, 2018 |
| Instrument | 5026 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 9, 2048 |
The 2025 property tax bill for 704 W Saddle Ln was $1,254.
Source: Gila County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Gila County |
| Municipality | Payson Town |
| Unified School District | Payson Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $24,406 Land $5,135 Building $19,271 | $244,061 Land $51,352 Building $192,709 | |
| 2025 | $1,254.00 | ||
| 2024 | $22,121 Land $2,969 Building $19,152 | $221,208 Land $29,691 Building $191,517 | |
| 2023 | $1,164.00 |
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.
FEMA maps place 704 W Saddle Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective October 30, 2025 · 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 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2004–2019) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
| Claims by Event |
|
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 risk around 704 W Saddle Ln is high, ranking above 82% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 73% of Arizona |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF PAYSON serves 17,682 people · EPA ID AZ0404032 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 4 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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