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Subject Property : 8745 E Waterford Cir Mesa AZ 85212
Owner Information
Owner Name : Swartwood Marvin / Swartwood Cheryl
Mailing Address : 8745 E Waterford Cir, Mesa AZ 85212-9374 R099
Owner Occupied Indicator : O
Location Information
Legal Description : Lot 21 Queens Park Mcr 231-9
County : Maricopa, Az
Census Tract / Block : 8176.00 / 3
Township-Range- Sect : 02S-07E-04
Legal Lot : 21
APN : 304-62-104
Owner Transfer Information
Recording/Sale Date : 11/12/2019 / 11/12/2019
Subdivision : Queens Park
Map Reference : 23109
School District : Queen Creek 95
Munic/Township : Mesa
Neighbor Code : 28-006
Deed Type : Rerecorded Deed Document # : 907997
Last Market Sale Information
Recording/Sale Date : 09/05/2013 / 09/03/2013
Sale Price : $420,400
Document # : 804510
Deed Type : Warranty Deed
Title Company : Security Title Agency
Seller Name : Casterton Steven D & Rosanne
Prior Sale Information
Prior Rec/Sale Date : 05/09/1994
Prior Sale Price : $26,500
Prior Doc Number : 370681
1st Mtg Amount/Type : $420,400 / Pp
1st Mtg Document # : 804511
Price Per SqFt : $165.77
Prior Deed Type : Joint Tenancy Deed
Prior Lender : No New Mtg
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
Property Characteristics
Gross Area : 2,536 Garage Capacity : 3 Pool : Pool
Living Area : 2,536
Total Rooms : 8
Year Built / Eff : 1996
# of Stories : 1
Parking Type : Garage
Property Information
Land Use : Sfr
Zoning : RS-43
Lot Acres : 1.01
Tax Information
Total Value : $568,700
Land Value : $113,700
Improvement Value : $455,000
Total Taxable Value : $39,934
Roof Material : Concrete Tile Air Cond : Refrigeration
Heat Type : Forced Air Quality : Good
Cooling Type : Forced Air Condition : Average
Exterior wall : Frame Brick Bath Fixtures : 12
Patio Type : Covered Patio Pool Size : 450
Lot Size : 43,930 Sewer Type : Public Service
Water Type : Type Unknown State Use : Single Fam Resurban Subd ( 4 )
Improve % : 80%
Tax Year : 2021
Property Tax : $4,260.50
Tax Rate Area : 951007
Assessed Year : 2021 Market Value : $568,700
Current Assessed Year : 2023
Current Year Total Value : $69,730
Current Year Improvement Value :
$55,790
Current Year Land Value : $13,940
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
Sale Price $420,400 $541,000 $920,000 $712,755
Bldg/Living Area 2536 2168 2881 2544
Price Per Square Foot $165.77 $228 $320 $280.29
Year Built 1996 1996 2020 2015
Size 43,930 5,000 44,518 11,225
$568,700
$486,200 $350,060
S 8745 E Waterford Cir 420,400 568,700 09/05/2013
1 8757 E Woodland Ave 920,000 486,200 04/01/2022
8546 E Waterford Cir 835,000 432,100 04/12/2022
3 20386 E Raven Dr 640,000 324,200 09/28/2022
20309 E Hummingbird Dr 675,000 336,000 03/04/2022
20475 E Raven Dr 730,000 379,500 03/02/2022
20910 E Longwood Dr 541,000 272,500 11/15/2021
20332 E Raven Dr 641,200 326,200 06/21/2022
19665 S Cypress Dr 855,000 398,100 05/25/2022
18886 S 209th Way 675,000 284,300 05/24/2022
20248 E Hummingbird Dr 602,894 332,800 10/15/2021
20139 E Robin Rd 850,000 394,300 04/25/2022
2,536 43,930 1996 RS-43
2,874 41,185 1999 0.12 RS-43
2,694 44,518 1996 0.23 RS-43
2,351 7,635 2015 0.74 R1-5
2,168 7,613 2017 0.75 R1-5
2,881 10,083 2016 0.76 R1-5
2,368 5,000 2020 0.76 R1-5
2,351 7,725 2016 0.76 R1-5
2,881 9,100 2017 0.76 R1-5
2,368 5,000 2019 0.78 R1-5
2,508 7,706 2016 0.78 R1-5
2,881 9,557 2017 0.79 R1-5
Customer Name : Jeremiah Stiffler
Company Name : First American Prepared On : 10/14/2022
12 20959 E Swan Dr 700,000 281,000 04/15/2022
13 20505 E Mockingbird Dr 760,000 376,800 06/28/2022
14 20517 E Mockingbird Dr 630,000 374,100 10/28/2021
15 20399 E Mockingbird Dr 725,000 346,000 05/04/2022
16 20878 E Sparrow Dr 675,000 313,100 08/09/2022
17 20384 E Canary Ct 700,000 323,800 05/23/2022
18 20368 E Canary Ct 655,000 313,300 04/25/2022
19 20091 E Robin Rd 815,000 392,700 09/09/2022
20 20756 E Raven Dr 630,000 314,200 03/24/2022
Distressed Sales =
2,548 5,095 2019 0.8 R1-5
2,725 9,290 2016 0.82 R1-5
2,740 9,168 2016 0.82 R1-5
2,320 8,338 2016 0.82 R1-5
2,405 6,000 2020 0.83 R1-5
2,591 7,663 2018 0.85 R1-5
2,168 7,663 2018 0.86 R1-5
2,881 9,557 2017 0.87 R1-5
2,184 6,600 2015 0.87 R1-5
Customer Name : Jeremiah Stiffler
Company Name : First American Prepared On : 10/14/2022
Details of Comparables
Subject Property: 8745 E Waterford Cir Mesa Az 85212
Owner Name: Swartwood Marvin /Swartwood Cheryl
APN / Alternate APN: 304-62-104 / Deed Type: Warranty Deed
Land Use: Sfr
Year Built / Eff: 1996 / Rec. Date / Price: 09/05/2013 / $420,400 Living Area: 2,536
Subdivision / Tract: Queens Park / Lot Size: 43,930
# of units:
Document #: 804510 Bedrooms: Pool: Pool
Total Tax Value: $568,700 Bath(F/H): /
#1 8757 E Woodland Ave Mesa Az 85212
Owner Name: Asante Trust / APN / Alternate APN: 304-62-123 / Deed Type: Warranty Deed
Land Use: Sfr
Subdivision / Tract: Queens Park / Lot Size: 41,185 Year Built / Eff: 1999 / Rec. Date / Price: 04/01/2022 / $920,000 Living Area: 2,874
# of units:
Document #: 295257 Bedrooms: Pool: Pool
Total Tax Value: $486,200 Bath(F/H): /
#2 8546 E Waterford Cir Mesa Az 85212
Owner Name: Harker Bronson P / APN / Alternate APN: 304-62-113 / Deed Type: Warranty Deed
Land Use: Sfr
Subdivision / Tract: Queens Park / Lot Size: 44,518 Year Built / Eff: 1996 / Rec. Date / Price: 04/12/2022 / $835,000 Living Area: 2,694
# of units:
Document #: 324598 Bedrooms: Pool:
Total Tax Value: $432,100 Bath(F/H): /
#3 20386 E Raven Dr Queen Creek Az 85142
Owner Name: Messer Brian J & Susan / APN / Alternate APN: 314-10-264 / Deed Type: Warranty Deed
Land Use: Sfr
Year Built / Eff: 2015 / Rec. Date / Price: 09/28/2022 / $640,000 Living Area: 2,351
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 7,635
# of units: Document #: 740567 Bedrooms: Pool:
Total Tax Value: $324,200 Bath(F/H): /
#4 20309 E Hummingbird Dr Queen Creek Az 85142
Owner Name: Maughan Jeffrey P /Maughan Mitzi
APN / Alternate APN: 314-10-286 / Deed Type: Warranty Deed
Land Use: Sfr Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 7,613
Year Built / Eff: 2017 / Rec. Date / Price: 03/04/2022 / $675,000 Living Area: 2,168
# of units:
Document #: 199654 Bedrooms: Pool: Pool
Total Tax Value: $336,000 Bath(F/H): /
Customer
:
First American
#5 20475 E Raven Dr Queen Creek Az 85142
Owner Name: Rowley Brian T /Rowley Shanna
APN / Alternate APN: 314-10-169 / Deed Type: Warranty Deed
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 2 / Lot Size: 10,083
Rec. Date / Price: 03/02/2022 / $730,000 Living Area: 2,881
Land Use: Sfr
Year Built / Eff: 2016 /
# of units:
Document #: 190641 Bedrooms: Pool:
Total Tax Value: $379,500 Bath(F/H): /
#6 20910 E Longwood Dr Queen Creek Az 85142
Owner Name: Ellsworth Kameron / APN / Alternate APN: 314-12-059 / Deed Type: Warranty Deed
Land Use: Sfr
Subdivision / Tract: Gateway Quarter Prcl 1 / Lot Size: 5,000 Year Built / Eff: 2020 /
Rec. Date / Price: 11/15/2021 / $541,000 Living Area: 2,368
# of units:
Document #: 1219543 Bedrooms: Pool:
Total Tax Value: $272,500 Bath(F/H): /
#7 20332 E Raven Dr Queen Creek Az 85142
Owner Name: Opendoor Property Trust I /
APN / Alternate APN: 314-10-268 / Deed Type: Warranty Deed
Land Use: Sfr Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 7,725
Rec. Date / Price: 06/21/2022 / $641,200 Living Area: 2,351
Year Built / Eff: 2016 /
# of units:
Document #: 515757 Bedrooms: Pool: Pool
Total Tax Value: $326,200 Bath(F/H): /
#8 19665 S Cypress Dr Queen Creek Az 85142
Owner Name: Sieux Pierre /Sieux Caroline
APN / Alternate APN: 314-10-425 / Deed Type: Warranty Deed
Land Use: Sfr Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 4 / Lot Size: 9,100
Rec. Date / Price: 05/25/2022 / $855,000 Living Area: 2,881
Year Built / Eff: 2017 /
# of units:
Document #: 449193 Bedrooms: Pool: Pool
Total Tax Value: $398,100 Bath(F/H): /
#9 18886 S 209th Way Queen Creek Az 85142
Owner Name: Redfin Now Borrower Llc /
APN / Alternate APN: 314-12-138 / Deed Type: Warranty Deed
Land Use: Sfr Subdivision / Tract: Gateway Quarter Prcl 1 / Lot Size: 5,000
Rec. Date / Price: 05/24/2022 / $675,000 Living Area: 2,368
Year Built / Eff: 2019 /
# of units:
Document #: 446598 Bedrooms: Pool: Pool
Total Tax Value: $284,300 Bath(F/H): /
Customer
American
#10 20248 E Hummingbird Dr Queen Creek Az 85142
Owner Name: Hoffman Mark J /Hoffman Lori A
APN / Alternate APN: 314-10-305 / Deed Type: Warranty Deed
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 7,706
Land Use: Sfr
Year Built / Eff: 2016 /
# of units: Document #: 1114715 Bedrooms: Pool: Total Tax Value: $332,800 Bath(F/H): /
Rec. Date / Price: 10/15/2021 / $602,894 Living Area: 2,508
#11 20139 E Robin Rd Queen Creek Az 85142
Owner Name: Allen Kelly A /Allen Kevin D
APN / Alternate APN: 314-10-418 / Deed Type: Warranty Deed
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 4 / Lot Size: 9,557
Land Use: Sfr
Year Built / Eff: 2017 /
# of units: Document #: 359637 Bedrooms: Pool: Pool Total Tax Value: $394,300 Bath(F/H): /
Rec. Date / Price: 04/25/2022 / $850,000 Living Area: 2,881
#12 20959 E Swan Dr Queen Creek Az 85142
Owner Name: Pastorino Ralph E /Pastorino Mary
APN / Alternate APN: 314-12-066 / Deed Type: Warranty Deed
Subdivision / Tract: Gateway Quarter Prcl 1 / Lot Size: 5,095
Land Use: Sfr
Year Built / Eff: 2019 /
# of units: Document #: 332591 Bedrooms: Pool: Total Tax Value: $281,000 Bath(F/H): /
Rec. Date / Price: 04/15/2022 / $700,000 Living Area: 2,548
#13 20505 E Mockingbird Dr Queen Creek Az 85142
Owner Name: Gershman Jane /Gershman Jeffrey
APN / Alternate APN: 314-10-142 / Deed Type: Warranty Deed
Land Use: Sfr Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 2 / Lot Size: 9,290
Year Built / Eff: 2016 /
# of units: Document #: 532266 Bedrooms: Pool: Total Tax Value: $376,800 Bath(F/H): /
Rec. Date / Price: 06/28/2022 / $760,000 Living Area: 2,725
#14 20517 E Mockingbird Dr Queen Creek Az 85142
Owner Name: Popeck Teresa /Popeck Michael
APN / Alternate APN: 314-10-143 / Deed Type: Warranty Deed
Land Use: Sfr Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 2 / Lot Size: 9,168
Rec. Date / Price: 10/28/2021 / $630,000 Living Area: 2,740
Year Built / Eff: 2016 /
# of units:
Document #: 1159523 Bedrooms: Pool: Total Tax Value: $374,100 Bath(F/H): /
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
#15 20399 E Mockingbird Dr Queen Creek Az 85142
Owner Name: Clarke Jordan /
APN / Alternate APN: 314-10-235 / Deed Type: Warranty Deed
Land Use: Sfr
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 8,338 Year Built / Eff: 2016 /
Rec. Date / Price: 05/04/2022 / $725,000 Living Area: 2,320
# of units:
Document #: 390447 Bedrooms: Pool: Pool
Total Tax Value: $346,000 Bath(F/H): /
#16 20878 E Sparrow Dr Queen Creek Az 85142
Owner Name: Baldovin Andrew /Baldovin Briana
APN / Alternate APN: 314-12-200 / Deed Type: Warranty Deed
Land Use: Sfr
Subdivision / Tract: Gateway Quarter Prcl 2 / Lot Size: 6,000 Year Built / Eff: 2020 /
Rec. Date / Price: 08/09/2022 / $675,000 Living Area: 2,405
# of units: Document #: 630317 Bedrooms: Pool:
Total Tax Value: $313,100 Bath(F/H): /
#17 20384 E Canary Ct Queen Creek Az 85142
Owner Name: Maurer Katherine R / APN / Alternate APN: 314-10-215 / Deed Type: Warranty Deed
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 7,663
Land Use: Sfr
Year Built / Eff: 2018 /
# of units: Document #: 442369 Bedrooms: Pool: Total Tax Value: $323,800 Bath(F/H): /
Rec. Date / Price: 05/23/2022 / $700,000 Living Area: 2,591
#18 20368 E Canary Ct Queen Creek Az 85142
Owner Name: Hunnell Living Trust /
APN / Alternate APN: 314-10-217 / Deed Type: Warranty Deed
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 3 / Lot Size: 7,663
Land Use: Sfr
Year Built / Eff: 2018 /
# of units: Document #: 361485 Bedrooms:
Rec. Date / Price: 04/25/2022 / $655,000 Living Area: 2,168
Total Tax Value: $313,300 Bath(F/H): /
#19 20091 E Robin Rd Queen Creek Az 85142
Owner Name: Watson Christina /Watson David APN / Alternate APN: 314-10-412 / Deed Type: Warranty Deed
Pool:
Land Use: Sfr Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 4 / Lot Size: 9,557
Rec. Date / Price: 09/09/2022 / $815,000 Living Area: 2,881
Year Built / Eff: 2017 /
# of units:
Document #: 702144 Bedrooms: Pool: Pool
Total Tax Value: $392,700 Bath(F/H): /
Customer
First American
#20 20756 E Raven Dr Queen Creek Az 85142
Owner Name: Treftz Kevin C /
APN / Alternate APN: 314-10-086 /
Subdivision / Tract: Fulton Homes At Queen Creek Station Prcl 1 /
Deed Type: Warranty Deed
Lot Size: 6,600
Land Use: Sfr
Year Built / Eff: 2015 /
# of units: Document #: 266529
Rec. Date / Price: 03/24/2022 / $630,000 Living Area: 2,184
Bedrooms: Pool: Pool
Total Tax Value: $314,200 Bath(F/H): /
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
Public
Elementary Schools
Jack Barnes Elementary School Distance 1.79 Miles
20750 S 214th St Queen Creek AZ 85142
Telephone : (480) 987-7400
Lowest Grade : Pre-K
School District : Queen Creek Unified District (4245)
Highest Grade : 6th Kindergarten : Yes School Enrollment : Enrollment : 553
Total Expenditure/Student : 98
Cortina Elementary Distance 2.01 Miles
19680 S 188th St Queen Creek AZ 85142
Telephone : (480) 279-7800
Lowest Grade : Pre-K
School District : Higley Unified School District (4248)
Highest Grade : 8th Kindergarten : Yes School Enrollment : Enrollment : 878
Total Expenditure/Student : 155
Desert Mountain Elementary Distance 2.38 Miles
22301 S Hawes Rd Queen Creek AZ 85142
Telephone : (480) 987-5912
Lowest Grade : Pre-K
School District : Queen Creek Unified District (4245)
Highest Grade : 6th
Kindergarten : Yes School Enrollment : Enrollment : 668
Total Expenditure/Student : 98
Customer
Benjamin Franklin Charter School - Crismon
22120 E Queen Creek Rd Queen Creek AZ 85142
Telephone : (480) 987-0722
Lowest Grade : K
Distance 2.51 Miles
School District : Benjamin Franklin Charter School - Queen Creek (4355)
Highest Grade : 6th
Kindergarten : Yes School Enrollment : Enrollment : 712
Middle Schools
Queen Creek Junior High School
20435 S Old Ellsworth Rd Queen Creek AZ 85142
Telephone : (480) 987-5940
Lowest Grade : 7th
Total Expenditure/Student :
Distance 1.41 Miles
School District : Queen Creek Unified District (4245)
Highest Grade : 8th
Kindergarten : No School Enrollment : Enrollment : 591
Sossaman Middle School
18655 E Jacaranda Blvd Queen Creek AZ 85142
Telephone : (480) 279-8500
Lowest Grade : 7th
Total Expenditure/Student : 98
Distance 2.61 Miles
School District : Higley Unified School District (4248)
Highest Grade : 8th
Kindergarten : No School Enrollment : Enrollment : 1089
Total Expenditure/Student : 155
Asu Preparatory Academy-polytechnic Middle School
6950 E Williams Field Rd Mesa AZ 85212
Telephone : (480) 727-5700
Lowest Grade : 5th
Distance 2.93 Miles
School District : Asu Preparatory Academy (92327)
Highest Grade : 7th
Kindergarten : No School Enrollment : Enrollment : 356
Total Expenditure/Student :
Customer Name : Jeremiah Stiffler
: First American
On : 10/14/2022
Newell Barney Junior High Distance 4.33 Miles
24937 S Sossaman Rd Queen Creek AZ 85142
Telephone : (480) 474-6700
Lowest Grade : 7th
School District : Queen Creek Unified District (4245)
Highest Grade : 8th
Kindergarten : No School Enrollment : Enrollment : 901
Total Expenditure/Student : 98
High Schools
Heritage Academy Queen Creek Distance 0.84 Miles 19630 E.germann Road Queen Creek AZ 85242
Telephone : (480) 461-4400
School District : Heritage Academy Queen Creek Inc. (92519)
Highest Grade : 12th School Enrollment : Enrollment : 657
Lowest Grade : 6th
Total Expenditure/Student : Advanced Placement : No
Benjamin Franklin High School Distance 1.85 Miles
18864 E Germann Rd Queen Creek AZ 85142
Telephone : (480) 558-1197
School District : Benjamin Franklin Charter School - Queen Creek (4355)
Highest Grade : 12th School Enrollment : Enrollment : 1154
Lowest Grade : 7th
Total Expenditure/Student : Advanced Placement : No
Asu Preparatory Academy-polytechnic High School Distance 2.43 Miles
7350 E. Innovation Way South Mesa AZ 85212
Telephone : (480) 727-5769
School District : Asu Preparatory Academy (91305)
Highest Grade : 12th School Enrollment : Enrollment : 435
Lowest Grade : 8th
Total Expenditure/Student : Advanced Placement : No
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
Evit - East Campus
6625 S Power Rd Mesa AZ 85212
Telephone : (480) 461-4000
Lowest Grade : 10th
Distance 2.63 Miles
School District : East Valley Institute Of Technology (4516)
Highest Grade : 12th
School Enrollment : Enrollment : 239
Total Expenditure/Student : Advanced Placement : No
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
Attractions / Recreation
Name Address Telephone Distance (Miles)
Splash Zone Llc 7319 S Atwood Ste 103 Mesa Az (800) 985-3031 0.3
Faction Combatives & Combat Sports 8743 E Pecos Rd Mesa Az (520) 477-8802 0.34
Arizona All Stars Fusion Cheer 8743 E Pecos Rd Ste 119 Mesa Az (480) 987-5400 0.34
Club Dance 8743 E Pecos Rd Mesa Az (480) 888-2342 0.34
Banks / Financial
Name Address Telephone Distance (Miles)
Jpmorgan Chase Bank, National Association 21362 S Ellsworth Loop Rd Queen Creek Az (480) 888-0155 1.81
Harris Bmo Bank National Association 21479 S Ellsworth Rd Queen Creek Az (480) 882-3000 2.03
Bank Of America, National Association 21004 E Ocotillo Rd Queen Creek Az (480) 987-2355 2.32
Midfirst Bank 7305 S Power Rd Queen Creek Az (480) 755-0949 2.42
Eating / Drinking
Name Address Telephone Distance (Miles)
Baci Italian Bistro 8830 E Germann Rd Bldg 32 Mesa Az (480) 988-1061 0.18
Az Canopy Chairs 8228 E Germann Rd Mesa Az (602) 770-3781 0.67
Lash Tavern Llc 19737 E Willow Dr Queen Creek Az (480) 331-8521 0.81
Cake Kabobs Llc 19732 E Reins Rd Queen Creek Az (480) 277-7513 1.26
Health Care Services
Name Address Telephone Distance (Miles)
Health For Life
7343 S 89th Pl Mesa Az (480) 888-0663 0.26
Active Nutrition Az 7257 S Atwood Mesa Az (480) 882-1402 0.31
Amber Herr 18864 E Germann Rd Queen Creek Az (480) 558-1197 0.38
Wolff Anesthesia Services Llc 19703 E Carriage Way Queen Creek Az (480) 399-9339 1.33
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
Hospitality
Name Address Telephone Distance (Miles)
Hampton Inn Queen Creek 20768 E Maya Rd Queen Creek Az (480) 888-7474 1.87
Texas Holdem Motel Llc 22632 S Ellsworth Rd Queen Creek Az (480) 988-1114 2.65
Econo Lodge 20943 E Desert Hills Blvd Queen Creek Az (970) 565-3474 2.68
Inns Of Iowa Ltd 4578 E Apricot Ln Gilbert Az (641) 752-6000 2.9
Organizations / Associations
Name Address Telephone Distance (Miles)
Santan Products Llc 7257 S Atwood Ste 13 Mesa Az (480) 278-5627 0.31
Redemption Gateway Church 8635 E Pecos Rd Mesa Az (480) 553-8295 0.37
Bethel Retirement Planning Llc 19658 E Canary Way Queen Creek Az (480) 620-1997 1.26
Freshfire Ministries 19667 E Arrowhead Trl Queen Creek Az (480) 221-4904 1.27
Personal Services
Name Address Telephone Distance (Miles)
Jed's Gym 7257 S Atwood Ste 103 Mesa Az (480) 238-4643 0.31
Complete Training And Fitness Llc 7257 S Atwood Ste 103 Mesa Az (480) 238-4643 0.31
Crossfit Incite 8743 E Pecos Rd Ste 101 Mesa Az (480) 779-7682 0.34
Dc Fitness, Llc 8743 E Pecos Rd Ste 101 Mesa Az (602) 501-0109 0.34
Shopping
Name Address Telephone Distance (Miles)
Native Interiors 7318 S 89th Pl Mesa Az (480) 987-9560 0.26
Bav, Llc 7361 S 89th Pl Mesa Az (480) 460-6018 0.26
Desert Horizon Nursery, Inc. 19250 S Ellsworth Rd Queen Creek Az (480) 987-3308 0.72
Rymax Glass, L.l.c. 19938 E Carriage Way Queen Creek Az (480) 309-0902 1.16
Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/14/2022
8759 E WATERFORD CIR Distance 0.03 Miles
Owner Name : Avila Jason R
Sale Date : 10/11/2018
Total Value : $554,300
Bed / Bath : / 3
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1993 /
Subdivision : Queens Park
Recording Date : 10/22/2018
Sale Price : $650,000
Property Tax : $4,168.08
Lot Acres : 1.01
Living Area : 2,678
APN : 304-62-103
8731 E WATERFORD CIR Distance 0.03 Miles
Owner Name : Chapman Nathan
Sale Date : 04/24/2015
Total Value : $382,600
Bed / Bath : / 3
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1994 /
Subdivision : Queens Park
Recording Date : 06/12/2015
Sale Price : $300,000
Property Tax : $2,764.76
Lot Acres : 1.01
Living Area : 2,277
APN : 304-62-105
8717 E WATERFORD CIR Distance 0.05 Miles
Owner Name : Murray Melanie E
Sale Date : 01/11/2012
Total Value : $459,100
Bed / Bath : / 3
Land Use : Sfr
Subdivision : Queens Park
Recording Date : 01/27/2012
Sale Price : $192,000
Property Tax : $3,326.62
Lot Acres : 1.00
Stories : 1 Living Area : 2,078
Yr Blt / Eff Yr Blt : 1994 /
APN : 304-62-106
8746 E WINNSTON CIR Distance 0.06 Miles
Owner Name : Arnson Andrea Nichole
Sale Date : 06/05/2000
Total Value : $490,300
Bed / Bath : / 4
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 2003 /
Subdivision : Queens Park
Recording Date : 06/05/2000
Sale Price : $65,000
Property Tax : $3,887.46
Lot Acres : 1.01
Living Area : 3,296
APN : 304-62-101
Customer Name : Jeremiah Stiffler
Customer Company Name : First American Prepared On : 10/14/2022
8732 E WINNSTON CIR Distance 0.06 Miles
Owner Name : Montgomery Daniel P
Sale Date : 05/00/1994
Total Value : $432,800
Bed / Bath : / 4
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1993 /
Subdivision : Queens Park
Recording Date : 06/29/1994
Sale Price : $120,000
Property Tax : $3,180.94
Lot Acres : 1.01
Living Area : 2,078
APN : 304-62-100
8760 E WINNSTON CIR Distance 0.06 Miles
Owner Name : Tab Cartunes Llc
Sale Date : 04/07/2005
Total Value : $401,300
Bed / Bath : / 3
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1996 /
Subdivision : Queens Park
Recording Date : 04/15/2005
Sale Price : $395,000
Property Tax : $3,487.08
Lot Acres : 1.01
Living Area : 2,273
APN : 304-62-102
8744 E WATERFORD CIR Distance 0.07 Miles
Owner Name : Vaughn Steven M
Sale Date : 09/00/1993
Total Value : $574,600
Bed / Bath : / 5
Subdivision : Queens Park
Recording Date : 10/18/1993
Sale Price : $23,000
Property Tax : $4,582.58
Land Use : Sfr Lot Acres : 1.01
Stories : 1 Living Area : 4,053
Yr Blt / Eff Yr Blt : 1994 /
APN : 304-62-121
8830 E GERMANN RD # 163 Distance 0.07 Miles
Owner Name : Southgate North Llc
Sale Date : 01/27/2014
Total Value : $29,100
Land Use : Commercial (nec)
Subdivision : Southgate Commerce Park
Recording Date : 01/29/2014
Sale Price : $75,000
Property Tax : $79.24
Lot Acres : 0.07
APN : 304-62-774
Customer Name : Jeremiah Stiffler
Customer Company Name : First American Prepared On : 10/14/2022
8830 E GERMANN RD # 161
Owner Name : Southgate North Llc
Sale Date : 01/27/2014
Total Value : $32,200
Land Use : Commercial (nec)
Subdivision : Southgate Commerce Park
8758 E WATERFORD CIR
Owner Name : Connelly Jeffrey
Sale Date : 06/28/2005
Total Value : $456,200
Bed / Bath : / 3
Distance 0.07 Miles
Recording Date : 01/29/2014
Sale Price : $75,000
Property Tax : $89.56
Lot Acres : 0.09
APN : 304-62-773
Distance 0.07 Miles
Subdivision : Queens Park
Recording Date : 06/30/2005
Sale Price : $400,000
Property Tax : $3,408.52
Land Use : Sfr Lot Acres : 1.01
Stories : 1 Living Area : 2,389
Yr Blt / Eff Yr Blt : 1995 /
APN : 304-62-122
Customer Name : Jeremiah
Household
Population Population by Age
Count: 1,830 0 - 11
Estimate Current Year: 2,098 12 - 17
Estimate in 5 Years: 3,627 18 - 24 9.02%
Growth Last 5 Years: 45.85% 25 - 64 45.52%
Growth Last 10 Years: -65.2% 65 - 74 12.68% 75+
Household Size Household Income
Current Year: 589 0 - $25,000 4.41%
Average Current Year: 3.11 $25,000 - $35,000 3.9%
Estimate in 5 Years: 1,941 $35,000 - $50,000 16.64%
Growth Last 5 Years: 45.16% $50,000 - $75,000 22.24%
Growth Last 10 Years: 46.83% $75,000 - $100,000 13.41%
Male Population: 50% Above $100,000 39.39%
Female Population: 50% Average Household Income: $81,964
Married People: 52.14%
Unmarried People: 47.86%
Housing
Median Mortgage Payments Home Values
Under $300: 10.96% Below $100,000: 5.82%
$300 - $799: 12.3% $100,000 - $150,000: 4.25%
$800 - $1,999: 51.01% $150,000 - $200,000: 7.38%
Over $2,000: 25.73% $200,000 - $300,000: 27.52%
Median Home Value: $313,200 $300,000 - $500,000: 50.11%
Unit Occupied Owner: 75.89% Above $500,000: 4.92%
Median Mortgage: $1,499
Rent Payments Year Built
Unit Occupied Renter: 24.11% 1999 - 2000
Median Gross Rent: $1,089 1995 - 1998
Less Than $499 9.84% 1990 - 1994
$500 - $749 5.74% 1980 - 1989 6.45%
$750 - $999 18.03% 1970 - 1979 13.05%
$1000 and Over 66.39% 1900 - 1969 4.87%
Education Enrollment
Public Pre-Primary School: 1.9% Not Enrolled in School: 65.78%
Private Pre-Primary School: 0.86% Not A High School Graduate: 6.69%
Public School: 31.45% Graduate Of High School: 27.22%
Private School: 2.76% Attended Some College: 24.32%
Public College: 4.15% College Graduate: 32.46%
Private College: 0.46% Graduate Degree: 9.31% Workforce
Occupation: Manager/Prof: 34.91% Private Worker: 81.87%
Technical: Government Worker: 6.45%
Sales: 33.7% Self Employed Worker: 2.92%
Administrative: Unpaid Family Worker: 3.53%
Private House Hold: Farming: 15.33%
Service: 7.79% Skilled:
Protective Services: Blue-Collar: 23.6%
Commute Time
Less Than 15 Min: 25.89%
15 min - 28 min: 32.63%
30 min - 57 min: 35.8%
Over 60 min: 5.68%
Customer
: Jeremiah Stiffler
Name
First American Prepared On : 10/14/2022
SEARCH PARAMETERS
PARCEL:
304-62-104
OWNER: SWARTWOOD MARVIN/CHERYL
8745 E WATERFORD CIR MESA
MAIL: 8745 E WATERFORD CIR MESA AZ 85212
PLAT: 231 - 9 LOT 21
LEGAL: QUEENS PARK MCR 231-9
CURRENT TAXES
PRIMARY 41,930
11,740 46,960
INSTRUMENT REC DATE
09/05/2013
SPECIAL DISTRICTS
951007 12726 14712 30001
4,091.00
2022 TAX AMT TAX DUE INTEREST DATE PAID TOTAL DUE
FIRST HALF 2,045.50
2,045.50
RESIDENTIAL IMPROVEMENTS
BLDG SQFT
2,045.50
2,045.50
FRAME BRICK
OTHER
R4 NUMBER OF BATH FIXTURES
OTHER PATIO (TYPE AND NUMBER)
SALES
SALE DATE
01 41
SELLER NAME VALIDITY
TANO, MELVIN
THOMAS, B D ETAL
Count on First American Title
Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.
Count On Us For Service
First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.
Count On Us For Stability
First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.
Count On Us For Convenience
First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.
Count On Us To Meet Your Needs
First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.
Benefits of using a Professional REALTOR ®
Before you make the decision to try to sell your home alone, consider the benefits a REALTOR ® can provide that you may not be aware of.
A REALTOR ® :
› Understands market conditions and has access to information not available to the average homeowner.
› Can advertise effectively for the best results.
› Knows how to price your home realistically, to give you the highest price possible within your time frame.
› Is experienced in creating demand for homes and how to show them to advantage.
› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.
› Knows how to go toe-to-toe in negotiations.
› Is always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.
› Can remain objective when presenting offers and counter-offers on your behalf.
› Maintains errors-and-omissions insurance.
› Will listen to your needs, respect your opinions and allow you to make your own decisions.
› Can help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.
› Is experienced with resolving problems to facilitate a successful closing on your home.
Only you can determine whether you should attempt to sell your home—probably your largest investment—all alone. Talk with a REALTOR® before you decide. You may find working with a professional is a lot less expensive and much more beneficial than you ever imagined!
FOR SALE BY OWNER
Many people believe they can save a considerable amount of money by selling their homes themselves. It may seem like a good idea at the time, but while you may be willing to take on the task, are you qualified? The following are some questions to help you realistically assess what’s involved.
Do you...
- have the knowledge, patience, and sales skills needed to sell your home?
- know how to determine your home’s current market value?
- know how to determine whether or not a buyer can qualify for a loan?
- understand the steps of an escrow and what’s required of you and the buyer?
- need to hire a real estate attorney? If so, do you know what the cost will be and how much liability they will assume in the transaction?
- know how to advertise effectively and what the costs will be?
- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?
- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?
Are you...
- aware of conditions in the marketplace today that affect value and length of time to sell?
- concerned about having strangers walking through your home?
- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?
- aware that every time you leave your home, you are taking it off the market until you return?
- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?
- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?
Key Professionals Involved in Your Transaction
REALTOR ®
A REALTOR ® is a licensed real estate agent and a member of the National Association of REALTORS,® a real estate trade association. REALTORS ® also belong to their state and local Association of REALTORS.®
REAL ESTATE AGENT
A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR ® is a real estate agent, but not every real estate agent has the professional designation of a REALTOR.®
LISTING AGENT
A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.
BUYER'S AGENT
A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.
MULTIPLE LISTING SERVICE (MLS)
The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®
TITLE COMPANY
These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.
ESCROW OFFICER
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
PREPARING FOR SALE YOUR HOME
Mow and edge the lawn regularly, and trim the shrubs.
Make your entry inviting: Paint your front door and buy a new front door mat.
Paint or replace the mailbox, if needed.
If screens or windows are damaged, replace or repair them.
Repair or replace worn shutters and other exterior trim.
Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.
Ensure that all exterior lights are working.
Check stucco walls for cracks and discoloration.
Remove any oil and rust stains from the driveway and garage.
Clean and organize the garage, and ensure the door is in good working order.
Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.
Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.
Repair leaky faucets and caulking in bathtubs and showers.
Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.
Make sure toilet seats look new and are firmly attached.
First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:
Repair or replace loud ventilating fans.
Replace worn shower curtains.
Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.
Remove clutter throughout the house. Organize and clean out closets.
Clean household appliances and make sure they work properly.
Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.
Check the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean.
Inspect fences, gates and latches. Repair or replace as needed.
Staging your home for Show
To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:
Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.
Clear all clutter from counter tops.
Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.
Get rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners or potpourri. Fresh baked bread and cinnamon can make a positive impact.
Send pets away or secure them away from the house, and be sure to clean up after them.
Close the windows to eliminate street noise.
If possible you, your pets, and your children should be gone while your home is being shown.
Clean trash cans and put them out of sight.
If you must be present while your home is shown, keep noise down. Turn off the TV and radio. Soft, instrumental music is fine, but avoid vocals.
Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings
Hang clean attractive guest towels in the bathrooms.
Check that sink and tub are scrubbed and unstained.
Make beds with attractive spreads.
Stash or throw out newspapers, magazines, junk mail.
Terms You Should Know
Appraisal
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
Annual Percentage Rate (APR)
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
Beneficiary
The recipient of benefits, often from a deed of trust; usually the lender.
Closing Disclosure (CD)
Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.
Close of Escrow
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
Comparable Sales
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
Consummation
Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.
Deed of Trust
An instrument used in many states in place of a mortgage.
Deed Restrictions
Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.
Disbursement Date
The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.
Earnest Money Deposit
Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
Easement
A right, privilege or interest limited to a specific purpose that one party has in the land of another.
Endorsement
As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.
Hazard Insurance
Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.
Impounds
A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.
Legal Description
A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.
Lien
A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.
Loan Estimate (LE)
Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.
Mortgage
The instrument by which real property is pledged as security for repayment of a loan.
PITI
A payment that includes Principal, Interest, Taxes, and Insurance.
Power of Attorney
A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”
Recording
Filing documents affecting real property with the appropriate government agency as a matter of public record.
Settlement statement
Provides a complete breakdown of costs involved in a real estate transaction.
TRID
TILA-RESPA Integrated Disclosures
The Life Of An Escrow
THE BUYER
Chooses a Real Estate Agent
Gets pre-approval letter from Lender and provides to Real Estate Agent.
Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
Finalizes loan application with Lender. Receives a Loan Estimate from Lender.
Completes and returns opening package from First American Title.
Schedules inspections and evaluates findings. Reviews title commitment/ preliminary report.
Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.
Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation.
Escrow officer or real estate agent contacts the buyer to schedule signing appointment.
Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.
Documents are recorded and the keys are delivered!
THE SELLER
Chooses a Real Estate Agent
Accepts Buyer’s offer to purchase.
Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.
Orders any work for inspections and/or repairs to be done as required by the purchase agreement.
Escrow officer or real estate agent contacts the seller to schedule signing appointment.
Documents are recorded and all proceeds from sale are received.
THE ESCROW OFFICER
Upon receipt of order and earnest money deposit, orders title examination.
Requests necessary information from buyers and sellers via opening packages.
Reviews title commitment / preliminary report.
Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/ preliminary report.
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.
Coordinates with lender on the preparation of the CD.
Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.
Schedules signing appointment and informs buyer of funds due at settlement.
Once loan is consummated, sends funding package to lender for review.
Prepares recording instructions and submits docs for recording.
Documents are recorded and funds are disbursed. Issues final settlement statement.
THE LENDER
Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.
Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval.
Underwriting reviews loan package for approval.
Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan consummation.
Delivers loan documents to escrow.
Upon review of signed loan documents, authorizes loan funding.
Closing Costs: Who Pays What
CASH FHA VA CONV
BUYER
BUYER
BUYER
BUYER BUYER
SELLER SELLER
SELLER SELLER
SELLER SELLER
BUYER BUYER
BUYER BUYER
PRORATE PRORATE
BUYER BUYER BUYER
The Escrow Process
WHAT IS AN ESCROW?
The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.
HOW IS AN ESCROW OPENED?
Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder. From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.
Your Escrow Professional May:
Open escrow and deposit good faith funds into an escrow account
Conduct a title search to determine the ownership and title status of the real property
Review the title commitment and begin the process of working with you and the title officer to eliminate the title exceptions the buyer and the buyer’s new lender are not willing to take subject to. This includes ordering a payoff demand from your existing lender.
Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)
Prorate fees, such as real property taxes, per the contract and prepare the settlement statement
Set separate appointments allowing the buyer and seller to sign documents and deposit funds
Review documents and ensure all conditions are fulfilled and certain legal requirements are met
Request funds from buyer and buyer’s new lender
When all funds are deposited and conditions met, record documents with the County Recorder to transfer the real property to the buyer
After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more
Prepare and send final documents to all parties
Understanding Title Insurance
The Title Industry & Title Insurance in Brief
Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records.
WHAT IS TITLE INSURANCE?
Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.
WHY IS TITLE INSURANCE NEEDED?
Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.
WHEN IS THE PREMIUM DUE?
You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.
Compare First American’s Eagle Policy® for Owners
from:
else owns an interest in your title
A document is not properly signed
fraud, duress in the chain of title
Defective recording of any document
There are restrictive covenants
There is a lien on your title because there is:
a deed of trust
a judgement, tax, or special assessment
a charge by a homeowner’s association
Title is unmarketable
Mechanics lien
Forced removal of a structure because it:
extends on another property and/or easement
violates a restriction in Schedule B
violates an existing zoning law*
use the land for a Single-Family Residence
the use violates a restriction in Schedule B or a zoning ordinance
Unrecorded lien by a homeowners association
Unrecorded easements
Building permit violations*
Restrictive covenant violations
Post-policy forgery
Post-policy encroachment
Post-policy damage from extraction of minerals or water
Lack of vehicular and pedestrian access
Map not consistent with legal description
Post-policy adverse possession
Compare First American’s Eagle Policy® for Owners
Post-policy prescriptive easement
Covenant violation resulting in your title reverting to a previous owner
Violation of building setback regulations
Discriminatory covenants
Other benefits:
Pays rent for substitute land or facilities
Rights under unrecorded leases
language statements of policy coverage and
Compliance with Subdivision Map Act
Coverage for boundary wall or fence encroachment*
Added ownership coverage leads to enhanced
Insurance coverage for a lifetime
inflation coverage with automatic increase in value up to 150% over five years
Post-policy Living Trust coverage
Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties.
may vary based on an individual policy.
with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some cov erage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.
Consider This
One escrow transaction could involve more than 20 individuals, including real estate agents, buyers, sellers, attorneys, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often, one transaction depends on another.
When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. Your experienced escrow team can’t prevent unforeseen problems from arising; however, they can help smooth out the process.
Closing Your Escrow
THE CLOSING DISCLOSURE
Once the loan is approved and all invoices and paperwork have been provided, the lender and escrow officer will collaborate on the preparation of the Closing Disclosure (CD). In order to close on time, all paperwork and invoices should be submitted at least 10 days prior to the expected close of escrow date. The borrower must receive the CD at least three days* prior to consummation of the loan (typically the signing date). The escrow officer will also prepare an estimated settlement statement and inform the buyer of the balance of the down payment and closing costs needed to close escrow.
*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.
THE CLOSING OR SIGNING APPOINTMENT
The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws.
You will have a chance to review the settlement statement and supporting documentation. This is your opportunity to ask questions and clarify terms. You should review the settlement statement carefully and report discrepancies to the escrow officer. This includes any payments that may have been missed. You are responsible for all charges incurred even if overlooked by the escrow holder, so it's better to bring these to their attention before closing.
The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.
DON'T FORGET YOUR IDENTIFICATION
You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.
WHAT HAPPENS NEXT?
If the buyer is obtaining a new loan, the buyer’s signed loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to "fund the loan."
If the loan documents are satisfactory, the lender will send funds directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, the REALTOR® will present the keys to the property to the buyer.
Planning your move
SIX WEEKS BEFORE:
Create an inventory sheet of items to move.
Research moving options You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.
Request moving quotes Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.
Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.
Packing materials. Gather moving boxes and packing materials for your move.
Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.
Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses. Your human resources rep should have information on this policy.
Changing Schools. If changing schools, contact new school for registration process.
FOUR WEEKS BEFORE:
Contact utility companies Set utility turnoff date, seek refunds and deposits and notify them of your new address.
Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities.
Note food inventory levels Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.
Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move.
Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.
Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.
ONE WEEK BEFORE:
Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day.
Change of address. Visit USPS for change of address form.
Bank accounts Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.
Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.
Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.
Start packing. Begin packing for your new location.
Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck!
Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.
Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.
MOVING DAY:
Review the house. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist.
Sign the bill of lading. Once your satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed.
Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move.
Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.
1 SUN CITY WES T
623.299.3644
13940 W. Meeker Blvd., #119
Sun City West, AZ 85375
N of Meeker Blvd
W of R.H. Johnson
2 GOODYEAR
623.936.8001
1626 N. Litchfield Rd. Ste. #170 Goodyear, AZ 85395
NW corner of McDowell & Litchfield
3 ARROWHEAD
623.487.0404
16165 N. 83rd Ave , #100
Peoria, AZ 85382
S of Bell/E side of 83rd Ave
4 THE LEGENDS
623.537.1608
20241 N. 67th Ave , #A-2 Glendale, AZ 85308
E side 67th Ave/N of 101
5 ANTHEM
623.551.3265
39508 N. Daisy Mountain Dr., #128 Anthem, AZ 85086
NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy
6 BILTMORE
602.954.3644
3200 E Camelback Rd., #123 Phoenix, AZ 85018
NE Corner of Camelback/32nd Street
7 DESERT RIDGE
480.515 4369
20860 N. Tatum Blvd , #100 Phoenix, AZ 85050
NW corner of Tatum/Loop 101
8 CAREFREE
480.575.6609
7202 E. Carefree Dr , Bldg 1, #1 Carefree, AZ 85377
NE corner of Tom Darlington/ Carefree Dr.
9 KIERLAND COMMONS
480.948.6488
14648 N Scottsdale Rd., Ste. #100 Scottsdale, AZ 85254
W of Scottsdale Road, S side of Greenway
10 SCOTTSDALE FORUM
480.551.0480
6263 N. Scottsdale Rd., #110 Scottsdale, AZ 85250
E Side Scottsdale/S of Lincoln
11 DC CROSSING
480.563.9034
18291 N. Pima Rd , #145 Scottsdale, AZ 85255
SE corner of Pima/Legacy
12 AHWATUKEE
480.753.4424
4435 E. Chandler Blvd , #100 Phoenix, AZ 85048
SW corner Chandler/45th St.
13 CHANDLER PORTICO
480.777.0051
2121 W. Chandler Blvd., #215 Chandler, AZ 85224
SW Corner Chandler Blvd./ Dobson Rd.
14 GILBERT SAN TAN
480.777.0614
1528 E. Williams Field Rd., #101 Gilbert, AZ 85295
NW corner of Williams Field Rd./ Val Vista Rd.
15 MESA
480.401.3738
1630 S. Stapley Dr., #123 Mesa, AZ 85204
N of Baseline / W of Stapley
16 RED MOUNTAIN
480.534.3599
1135 N. Recker Rd , #103 Mesa, AZ 85205
SE corner of Recker & Brown
Central Arizona
17 GOLD CANYON
480.288.0883
6877 South Kings Ranch Rd., #5 Gold Canyon, AZ 85118 E of 60/
South Side Kings Ranch Rd.
1 MAIN OFFICE
520.885.1600 | Fax 520.885.2309
6390 E. Tanque Verde Rd. Tucson, AZ 85715
2 BROADWAY
520.747.1644 | Fax 520.747.1403
3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716
3 CAMBRIC
520.577.8707 | Fax 520.529.5034
1840 E. River Rd., Ste. 200 Tucson, AZ 85718
4 CASA GRANDE
520.426.4600 | Fax 520.426.4699
421 E. Cottonwood Ln Casa Grande, AZ 85122
5 CASAS ADOBES
520.575.1900 | Fax 520.432.0168
6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704
6 CENTRAL
520.319.9207 | Fax 520.319.1468
3777 E. Broadway Blvd., Ste. 102 Tucson, AZ 85716
7 DOWNTOWN
520.740.0424 | Fax 520.740.0436
1 S. Church Ave., Ste. 1610 Tucson, AZ 85701
8 FOOTHILLS
520.299.4606 | Fax 520.577.6993
4051 E Sunrise Dr., Ste. 155 Tucson, AZ 85718
arkervilleRd
SHelvetiaRd
EDesertDove
GoffRanchRd
SSantaRitaRd
9 GREEN VALLEY
520.625.1095 | Fax 520.958.9663
SHelvetiaRd
190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622
10 ORO VALLEY/LA CANADA 520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737
11 ORO VALLEY/ORACLE
520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704
12 RITA ROAD 520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747
13 RIVER 520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718
14 SKYLINE 520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718
15 TANQUE VERDE 520.202.2626 | Fax 520.495.6151 7479 E. Tanque Verde Tucson, AZ 85715