978 E Santa Cruz Ln, Apache Junction, AZ 85119 Property Records

Pinal County property record for 978 E Santa Cruz Ln, Apache Junction, AZ 85119

Property Summary

Property Type	Single Family Home
Details	1,330 sqft · built 1999
Lot Size	0.147 acres (6,403 sqft)
Owner	Individual Name on Record
Last Sale	$386,000 (May 2023)
Tax Bill	$1,339 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`102-53-193`

Property Details

APN / Parcel Number

Primary APN	`102-53-193`
Alternative APNs	`102-53-1930` `1025319300`

Interior

Stories	1 Story
Building Area	1,330 sqft Living Area
Gross Area	1,730 sqft
1st Floor Area	1,330 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Other
Construction Type	Wood
Roof Type	Hip
Roof Material	Concrete
Lot Area	6,403 sqft (0.147 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	978 E SANTA CRUZ LN
City	APACHE JUNCTION
State	AZ
Zip	85119-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 193 CIMMARRON CABINET C SLIDE 006 SEC 33-1N-8E (1) 6403.00 SQ FT 0.15 AC
Legal Range	08E
Legal Township	01N
Legal Section	33
Legal Subdivision	CIMMARRON CABINET C
Legal Lot Number	193
Jurisdiction	PINAL AZ
Township / Civil Division	NORTH PINAL
Census Block Group	2
Census Block	2006
Census Tract	325

Owner

Source: Pinal County records, as of May 16, 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
Mailing Address	978 E SANTA CRUZ LN, APACHE JUNCTION, AZ 85119-7220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jan 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2023 · Amount on Record
Deed Sale	May 19, 2023 · Amount on Record
Prior Sale	Aug 22, 2008 · Amount on Record
Deed Document Number	202336710
Prior Transfer Date	Jan 15, 2021
Prior Transfer Doc	0000009083
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINAL AZ
Recording Date	May 19, 2023
Property Address	978 E SANTA CRUZ LN, APACHE JUNCTION, AZ 85119-7220
Document Number	0000036710
Map Reference	MB C PG 6
Instrument Date	May 17, 2023
Instrument	2023-036710
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	CLARITY TITLE AGENCY LLC, CHARITY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	978 E SANTA CRUZ LN, APACHE JUNCTION, AZ 85119-7220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 E SANTA CRUZ LN, APACHE JUNCTION, AZ 85119-7220
Investor	Possibly a Property Investor

Mortgage

Document Number	0000036711
Date	May 19, 2023
Instrument	2023-036711

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINAL AZ
Recording Date	Jan 25, 2021
Property Address	978 E SANTA CRUZ LN, APACHE JUNCTION, AZ 85119-7220
Document Number	0000009083
Map Reference	MB C PG 6
Instrument Date	Jan 15, 2021
Instrument	2021-009083
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	LANDMARK TTL ASSURANCE AGCY

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	Joint Tenants with Right of Survivorship
Address	978 E SANTA CRUZ LN, APACHE JUNCTION, AZ 85119-7220

Mortgage

Document Number	0000009084
Date	Jan 25, 2021
Instrument	2021-009084

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

Source: Pinal County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Pinal County
Municipality	Apache Junction City
Unified School District	Apache Junction Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$29,106 (-0.91%) Land $6,403 Building $22,703	$291,059 (-0.91%) Land $64,030 Building $227,029
2026		$29,374 (+3.96%) Land $6,403 Building $22,971	$293,743 (+3.96%) Land $64,030 Building $229,713
2025	$1,339.00 (+3.48%)	$28,255 (-5.57%)	$282,552 (-5.57%) Land $64,030 Building $218,522
2024	$1,294.00 (+1.65%)	$29,922 Land $6,403 Building $23,519	$299,220 Land $64,030 Building $235,190
2023	$1,273.00 (-8.15%)
2022	$1,386.00

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 9, 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 Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force

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	Low lower than 64% of the US · lower than 71% of Arizona
Wildfire Likelihood	0.02% 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	APACHE JUNCTION WATER DISTRICT serves 15,610 people · EPA ID AZ0411039
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	74 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 715 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
CopperNet Systems Fixed Wireless	400 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	300 / 300
AT&T Fixed Wireless	100 / 20

May also be available: Mojo Broadband, T-Mobile, Verizon.

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