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912 W Saddle Ln, Payson, AZ 85541 Property Records

Gila County property record for 912 W Saddle Ln, Payson, AZ 85541 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details1,273 sqft · built 1973
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$397,000 (Mar 2023)
Tax Bill$2,092 (2025)
Deeds & MortgagesJun 2021 Mortgage
Mar 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN302-36-245

Property Details

APN / Parcel Number

Primary APN302-36-245
Alternative APNs
  • R022088
  • 022088

Interior

Stories1 Story
Building Area1,273 sqft Living Area
1st Floor Area1,273 sqft

Exterior

Year BuiltBuilt 1973
Exterior MaterialPlywood
Construction TypeSteel Frame
Roof MaterialAsbestos
Lot Area6,098 sqft (0.139 acres)
Lot Dimensions60 ft deep x 12 ft wide
PorchPorch
Porch Area28 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemA/C Chilled Water
Heating SystemHot Water

Location & Zoning

Account NumberR022088
Street Address912 W SADDLE LN
CityPAYSON
StateAZ
Zip85541-3054
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT: 76 SECTION: 28 TOWNSHIP: 11N RANGE: 10E PAYSON RANCHOS #3 LOT 76 345/203 349/732 379/386
Legal Range10E
Legal Township11N
Legal Section28
Legal SubdivisionPAYSON RANCHOS
Legal Lot Number76,345
JurisdictionGILA AZ
Township / Civil DivisionPAYSON
Census Block Group2
Census Block2025
Census Tract302

Owner

Source: Gila County records · APN 302-36-245

Assessment roll updated January 1, 2025 · Last verified January 2026

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

Owner of RecordIndividual Name on File
Mailing Address912 W SADDLE LN, PAYSON, AZ 85541-3054
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 14, 2021Deed of Trust, Mortgage
P&B UNDERWOOD LIVING TRUST
Mar 08, 2023Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Mar 08, 2023Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 08, 2023 · Amount on Record
Deed SaleMar 08, 2023 · Amount on Record
Deed Document Number2023002113
Deed Book / Page2023002 / 113
Record UpdatedJun 08, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGILA AZ
Property Address912 W SADDLE LN, PAYSON, AZ 85541-3054
Transaction TypeMortgage
Record UpdatedFeb 06, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000008611
DateJun 14, 2021
Instrument2021-008611
Lender
NameP&B UNDERWOOD LIVING TRUST
TypeNon-Lending Institution
AddressPAYSON, AZ 85541
Agreement
AmountAmount Recorded

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGILA AZ
Recording DateMar 08, 2023
Property Address912 W SADDLE LN, PAYSON, AZ 85541-3054
Document Number0000002113
Map ReferenceMAP 349
Instrument DateFeb 21, 2023
Instrument2023-002113
Transaction TypeTransfer
Record UpdatedApr 14, 2023
Title CompanyCLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8046 W BARRANCA RD, PAYSON, AZ 85541-6681

Transferred To (Grantee/Buyer)

NameVerified Name
Address912 W SADDLE LN, PAYSON, AZ 85541-3054

Mortgage

Document Number0000002114
DateMar 08, 2023
Instrument2023-002114
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGILA AZ
Recording DateMar 08, 2023
Property Address912 W SADDLE LN, PAYSON, AZ 85541-3054
Document Number0000002113
Map ReferenceMAP 349
Instrument DateFeb 21, 2023
Instrument2023-002113
Transaction TypeTransfer
Record UpdatedJan 19, 2026
Title CompanyCLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8046 W BARRANCA RD, PAYSON, AZ 85541-6681

Transferred To (Grantee/Buyer)

NameVerified Name
Address912 W SADDLE LN, PAYSON, AZ 85541-3054

Mortgage

Document Number0000002114
DateMar 08, 2023
Instrument2023-002114
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

Tax Assessment & Valuation

Source: Gila County records · Assessment roll updated January 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateArizona
CountyGila County
MunicipalityPayson Town
Unified School DistrictPayson Unified District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$33,974 (+7.34%) Land $5,135 Building $28,839$339,741 (+7.34%) Land $51,352 Building $288,389
2025$2,092.00 (+451.98%)
2024$31,651 Land $2,969 Building $28,682$316,516 Land $29,691 Building $286,825
2023$379.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gila County (04007C), updated October 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 040070003022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims3 (2004–2019)
Claims Outside the SFHA3 of 3
Most Recent ClaimJul 2019, rainfall accumulation
Claims By Storm
  • Severe Storms And Flooding, Jan 2005 · 2 claims

Wildfire

Wildfire RiskHigh
above 87% of the US · above 79% of Arizona
Wildfire LikelihoodAbout 1 in 196 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 254 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cable OneFiber1,000 / 1,000
Optimum CommunicationsCable940 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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