Gila County property record for 811 S Ridgeway St, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 1,536 sqft · built 1992 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $599,000 (Sep 2025) |
| Tax Bill | $2,139 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 304-42-042 |
| Primary APN | 304-42-042 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Basement Area | 1,536 sqft |
| Finished Basement | 1,536 sqft |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asbestos |
| Lot Area | 9,148 sqft (0.21 acres) |
| Porch | Porch |
| Patio Area | 112 sqft |
| Cooling System | Fan Cooling |
|---|---|
| Heating System | Forced Air |
| Account Number | R034104 |
|---|---|
| Street Address | 811 S RIDGEWAY ST |
| City | PAYSON |
| State | AZ |
| Zip | 85541-5759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: RIDGEWAY ESTATES LOT: 42 SECTION: 11 TOWNSHIP: 10N RANGE: 10E LOT 42 OF RIDGEWAY ESTATES OF PLAT 464 AND AN |
| Legal Range | 10E |
| Legal Township | 10N |
| Legal Section | 11 |
| Legal Subdivision | RIDGEWAY ESTATES |
| Legal Tract | A |
| Legal Lot Number | 42 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 500 |
Source: Gila County records, as of December 4, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU |
| Sep 5, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 23, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Apr 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 4, 2022 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on Record |
| Deed Sale | Sep 23, 2025 · Amount on Record |
| Prior Sale | Apr 27, 2023 · Amount on Record |
| Deed Document Number | 2025-008574 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000010833 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025-010833 |
| Name | DESERT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Title Company | AMERICAN TITLE SERVICES AGENCY/AZ, AMERICAN TITLE SERVICE AGENC |
| Name | Verified Name |
|---|---|
| Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Document Number | 0000007413 |
|---|---|
| Date | Sep 5, 2024 |
| Instrument | 2024-007413 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Sep 23, 2025 |
| Property Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Document Number | 0000008574 |
| Map Reference | MAP 464 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 2025-008574 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2025 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Document Number | 0000008575 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 2025-008575 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Apr 27, 2023 |
| Property Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Document Number | 0000003611 |
| Map Reference | MAP 464 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 2023-003611 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2023 |
| Title Company | PIONEER TITLE COMPANY, PIONEER TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Name | Verified Name |
|---|---|
| Address | 22480 E VIA DEL ORO, QUEEN CREEK, AZ 85142-9690 |
| Document Number | 0000003612 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 2023-003612 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Nov 4, 2022 |
| Property Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Document Number | 0000013002 |
| Map Reference | MAP 464 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2022-013002 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2022 |
| Title Company | GREAT AMERICAN TITLE AGENCY, GREAT AMERICAN TTL AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 811 S RIDGEWAY ST, 811, PAYSON, AZ 85541-5759 |
| Name | Verified Name |
|---|---|
| Address | 811 S RIDGEWAY ST, PAYSON, AZ 85541-5759 |
| Document Number | 0000013003 |
|---|---|
| Date | Nov 4, 2022 |
| Instrument | 2022-013003 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
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 | $46,467 (+131.81%) Land $6,084 Building $40,383 | $464,676 (+3.53%) Land $60,844 Building $403,832 | |
| 2025 | $2,139.00 (+3.94%) | $20,045 (-54.31%) | $448,826 (+2.31%) Land $48,760 Building $400,066 |
| 2024 | $2,058.00 (+3.57%) | $43,868 Land $3,713 Building $40,155 | $438,679 Land $37,127 Building $401,552 |
| 2023 | $1,987.00 |
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.
Source: FEMA National Flood Hazard Layer, effective October 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 59% of Arizona |
|---|---|
| Wildfire Likelihood | 0.2% 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 133 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 |
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