704 W Saint Charles Ave, Phoenix, AZ 85041 Property Records

Maricopa County property record for 704 W Saint Charles Ave, Phoenix, AZ 85041

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 2003
Lot Size	0.1 acres (4,343 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,000 (Jun 2018)
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Jun 2024 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`105-83-296`

Property Details

APN / Parcel Number

Primary APN	`105-83-296`
Alternative APN	`105832960`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,284 sqft
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	4,343 sqft (0.1 acres)
View / Lot	Corner
Parking Spaces	2 Parking Spaces
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	704 W SAINT CHARLES AVE
City	PHOENIX
State	AZ
Zip	85041-5953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-H
Legal Description	VINEYARD HILLS ESTATES MCR 601-18
Legal Range	3E
Legal Township	1N
Legal Section	31
Legal Subdivision	VINEYARD HILLS ESTATES
Legal Lot Number	104
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2014
Census Tract	116615

Owner

Source: Maricopa County records, as of March 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	704 W SAINT CHARLES AVE, PHOENIX, AZ 85041-5953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2024	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Sep 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NFM LENDING
Jun 26, 2018	Warranty Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Dec 17, 2015 · Amount on Record
Deed Document Number	2018486942
Prior Transfer Date	Mar 13, 2013
Prior Transfer Doc	0000261189
Record Updated	Sep 20, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	704 W SAINT CHARLES AVE, PHOENIX, AZ 85041-5953
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 W SAINT CHARLES AVE, PHOENIX, AZ 85041-5953

Mortgage

Document Number	0000330172
Date	Jun 21, 2024
Instrument	20240330172

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Sep 3, 2021
Property Address	704 W SAINT CHARLES AVE, PHOENIX, AZ 85041-5953
Document Number	0000958186
Map Reference	MB 601 PG 18
Instrument Date	Aug 30, 2021
Instrument	20210958186
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	DHI TITLE AGENCY

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
Address	704 W SAINT CHARLES AVE, PHOENIX, AZ 85041-5953

Mortgage

Document Number	0000958187
Date	Sep 3, 2021
Instrument	20210958187

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 26, 2018
Property Address	704 W SAINT CHARLES AVE, PHOENIX, AZ 85041-5953
Document Number	0000486942
Instrument Date	Jun 25, 2018
Instrument	486942
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGCY/AZ

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$171.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	704 W SAINT CHARLES AVE PHOENIX AZ 850415953, PHOENIX, AZ 85041-5953

Mortgage

Document Number	486943
Date	Jun 26, 2018
Instrument	486943

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

Mortgage

Document Number	486944,
Date	Jun 26, 2018
Instrument	486944

Lender

Name	ARIZONA IND'L DEV AUTH
Address	SCOTTSDALE, AZ 85253

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Secondary School District	Phoenix Union High School District (09 - 12)
Elementary School District	Roosevelt Elementary District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,850 (+252.36%)	$268,500 (+4.27%) Land $53,700 Building $214,800
2025	$1,029.00 (+5.76%)	$7,620 (-72.89%)	$257,500 (-8.4%) Land $51,500 Building $206,000
2024		$28,110	$281,100 Land $56,200 Building $224,900
2023	$973.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 PHOENIX serves 1,695,000 people · EPA ID AZ0407025
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 651 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
AirFiber WISP Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, GeoLinks, Verizon.

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