7865 Silver Saddle Rd, Flagstaff, AZ 86004 Property Records

Coconino County property record for 7865 Silver Saddle Rd, Flagstaff, AZ 86004

Property Summary

Property Type	Single Family Home
Details	1,232 sqft · built 1999
Lot Size	2.04 acres (88,862 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Dec 2023)
Tax Bill	$2,643 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301-08-047`

Property Details

APN / Parcel Number

Primary APN	`301-08-047`
Alternative APN	`R0177924`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,484 sqft
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1999
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	88,862 sqft (2.04 acres)
Garage Type	Attached
Garage Area	252 sqft
Porch	Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R0177924
Street Address	7865 SILVER SADDLE RD
City	FLAGSTAFF
State	AZ
Zip	86004-3347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: KOCH FIELD AM POR LOT 10 REC IN BK 11 PG 85 LOC IN SE4 SEC 23 22N-8E DESC AS FLLWS: BEGIN SE COR LOT 10; TH N 89
Legal Range	08E
Legal Township	22N
Legal Section	23
Legal Subdivision	KOCH FIELD AM
Legal Lot Number	10
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	2
Census Block	2032
Census Tract	1302

Owner

7865 Silver Saddle Rd is owned and occupied by an individual who bought it in December 2023.

Source: Coconino County records, as of November 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7865 SILVER SADDLE RD, FLAGSTAFF, AZ 86004-3347
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2023 · Amount on File
Deed Sale	Dec 14, 2023 · Amount on File
Deed Document Number	3986832
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Dec 14, 2023
Property Address	7865 SILVER SADDLE RD, FLAGSTAFF, AZ 86004-3347
Document Number	0003986832
Map Reference	MB 11 PG 85-85B
Instrument Date	Dec 12, 2023
Instrument	3986832
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA INC

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	7865 SILVER SADDLE RD, FLAGSTAFF, AZ 86004-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	7865 SILVER SADDLE RD, FLAGSTAFF, AZ 86004-3347

Mortgage

Document Number	0003986833
Date	Dec 14, 2023
Instrument	3986833

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 7865 Silver Saddle Rd was $2,643 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,666 Land $20,659 Building $32,007
2025	$2,643.00 Homeowner's exemption		$526,656 Land $206,587 Building $320,069
2024		$58,363 Land $17,507 Building $40,856
2023	$2,419.00 Homeowner's exemption		$583,630 Land $175,073 Building $408,557

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 7865 Silver Saddle Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective October 6, 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
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	5 (2002–2022)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2022 · other causes

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 7865 Silver Saddle Rd is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 63% of Arizona
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond 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	DONEY PARK WATER private · serves 9,222 people · EPA ID AZ0403005
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2016
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30