813 W Saddle Ln, Payson, AZ 85541 Property Records

Gila County property record for 813 W Saddle Ln, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1982
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$107,000 (Mar 2014)
Tax Bill	$1,190 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`302-36-208`

Property Details

APN / Parcel Number

Primary APN	`302-36-208`
Alternative APNs	`R021960` `021960`

Interior

Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	9,148 sqft (0.21 acres)
Porch	Open Porch
Patio Area	279 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	R021960
Street Address	813 W SADDLE LN
City	PAYSON
State	AZ
Zip	85541-3053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 39,P40 SECTION: 28 TOWNSHIP: 11N RANGE: 10E PAYSON RANCHOS #3 LOT 39 & E2 LOT 40 226/635472/870 PLAT 348
Legal Range	10E
Legal Township	11N
Legal Section	28
Legal Subdivision	PAYSON RANCH
Legal Lot Number	39,40
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	2
Census Block	2025
Census Tract	302

Owner

Source: Gila County records, as of February 9, 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	813 W SADDLE LN, PAYSON, AZ 85541-3053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 5, 2019	Deed of Trust, Mortgage · FHA Mortgage GENEVA FINANCIAL LLC
Mar 6, 2018	Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2014 · Amount on Record
Deed Sale	Mar 4, 2014 · Amount on Record
Prior Sale	Jun 6, 2013 · Amount on Record
Deed Document Number	20142265
Last Transfer Date	Oct 10, 2019
Transfer Doc	0000011041
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	813 W SADDLE LN, PAYSON, AZ 85541-3053
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 W SADDLE LN, PAYSON, AZ 85541-3053

Mortgage

Document Number	0000007385
Date	Aug 22, 2023
Instrument	2023-007385

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	813 W SADDLE LN, PAYSON, AZ 85541-3053
Transaction Type	Mortgage
Record Updated	Jan 11, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 W SADDLE LN, PAYSON, AZ 85541-3053

Mortgage

Document Number	0000016433
Date	Dec 8, 2021
Instrument	2021-016433

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	813 W SADDLE LN, PAYSON, AZ 85541-3053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE SERVICE AGEN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002689
Date	Mar 5, 2019
Instrument	2019-002689

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GILA AZ
Recording Date	Mar 6, 2018
Property Address	813 W SADDLE LN, PAYSON, AZ 85541-3053
Document Number	0000002257
Instrument Date	Feb 24, 2018
Instrument	2257
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	813 W SADDLE LN PAYSON AZ 855413053, PAYSON, AZ 85541-3053

Mortgage

Document Number	2258
Date	Mar 6, 2018
Instrument	2258

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

Tax Assessment & Valuation

Source: Gila County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Gila County
Municipality	Payson Town
Unified School District	Payson Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$24,523 (+9.93%) Land $6,084 Building $18,439	$245,234 (+9.93%) Land $60,844 Building $184,390
2025	$1,190.00 (+7.69%)
2024		$22,308 Land $3,713 Building $18,595	$223,073 Land $37,127 Building $185,946
2023	$1,105.00

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 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	Severe Storms And Flooding, Jan 2005 · 2 claims

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

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

Wildfire Risk	High above 86% of the US · above 79% of Arizona
Wildfire Likelihood	0.5% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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