Ryan Moxley is a Top 1% REALTOR® who knows every neighborhood, builder, and deal in the Phoenix metro. Get expert guidance before you make your move.
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Ryan tracks every neighborhood in the Phoenix metro — from Paradise Valley estates to Buckeye new builds. He will tell you which ZIP codes are undervalued, which builders have quality control issues, and where growth is headed in 2026 and beyond. When you walk into a negotiation with Ryan, you walk in informed. He can quote you comparable sale prices, days-on-market averages, and absorption rates for any submarket in the valley on the spot — because he watches this data every single week.
In Arizona, seller-paid commissions are still the norm. Ryan represents your interests — at the negotiating table, through the BINSR inspection process, and all the way to keys in hand — at no cost to you. A buyer representation agreement (required by Arizona law since August 2024) formalizes that Ryan works for you alone. He is legally obligated to put your interests first, disclose everything he knows about a property, and negotiate as aggressively as possible on your behalf.
Ryan’s job is to get you into the right home, not the fastest home. He will tell you when a price is wrong, when a neighborhood is not a fit, or when waiting a few months is the smarter move for your financial situation. Clients who work with Ryan leave feeling educated and confident — not pressured into a decision they will regret. His business is built entirely on referrals, which means he has every incentive to give you honest advice rather than close a quick deal.
From first call to keys in hand — here is exactly what to expect when you buy a home in Phoenix with Ryan.
Ryan meets with you (in person, by phone, or video) to understand your needs, timeline, and financial situation. He reviews the current market, explains the Arizona buying process, answers your questions, and helps you define your search criteria. No sales pitch — just a real conversation. He will also refer you to a pre-approval lender if you have not started that process yet. This meeting is the foundation of everything that follows.
Before touring homes, you need a pre-approval letter from a mortgage lender (or proof of funds if you are a cash buyer). Ryan works with trusted Phoenix-area lenders who close on time and communicate clearly. Pre-approval typically takes 1–3 days once you submit your documents (pay stubs, tax returns, bank statements, W-2s). Your pre-approval letter tells you exactly how much you can borrow and makes your offers competitive. In a multiple-offer situation, a pre-approval letter from a local lender Ryan’s contacts know and trust can make the difference.
Ryan sets up a custom MLS search that alerts you the moment new homes matching your criteria hit the market. He tours homes with you, pointing out things most buyers miss: roof age, HVAC condition, post-tension slab markings, HOA nuances, CFD/SID fees on new builds, and how a home compares to recent sales in the neighborhood. Ryan does not waste your time showing you homes that do not work — he would rather tour five great options than twenty mediocre ones.
When you find the right home, Ryan prepares a competitive offer based on real comparable sales data — not the Zestimate, not the list price, but what the market actually shows that home is worth. He advises on offer price, earnest money, closing timeline, contingencies, and any seller concessions to request. In a competitive situation, he knows how to structure an offer that stands out without overpaying. Arizona is a non-disclosure state, which means your offer is informed by MLS sales data the public cannot access.
Once under contract, you have a standard 10-day inspection period. Ryan coordinates scheduling with qualified inspectors (general home inspection, roof inspection, sewer scope if needed, HVAC inspection). After receiving the reports, Ryan helps you prepare a Buyer’s Inspection Notice and Seller’s Response (BINSR) that prioritizes the most important repairs and positions your requests strategically. The seller has 5 days to respond. Ryan has negotiated hundreds of BINSRs and knows exactly how to ask for what you need without killing the deal.
Your lender orders an appraisal, which typically takes 7–14 days. The appraiser compares your home to recent sales and confirms the value supports your loan amount. If the appraisal comes in low, Ryan negotiates with the seller on your behalf. Meanwhile, your lender is processing the loan file, verifying income and assets, and working toward a clear-to-close. Ryan stays in constant contact with your lender and the seller’s agent to make sure nothing falls through the cracks.
Arizona is a dry funding state: the day escrow funds is the day the deed records at the county, and that is the day you get your keys. There is no settlement gap, no waiting period. You sign at the title company (or remotely via e-sign for many transactions), funds transfer, the deed records, and Ryan hands you the keys. The entire buying process from offer acceptance to close typically takes 21–30 days for financed purchases and 7–14 days for cash buyers.
The Phoenix metropolitan area continues to be one of the most actively watched real estate markets in the United States. After the extraordinary run-up of 2020–2022 and the rate-driven correction of 2023, the market has found a more sustainable equilibrium. Inventory has normalized from pandemic-era lows, giving buyers meaningfully more selection than they had two years ago — but well-located, well-priced homes in desirable neighborhoods are still moving quickly, and multiple-offer situations are common at the entry and mid-range price points.
The biggest economic story reshaping the Phoenix real estate landscape is TSMC’s Fab 21 in north Phoenix’s Deer Valley corridor. Taiwan Semiconductor Manufacturing Company has committed $65 billion to this facility — the largest foreign direct investment in U.S. history. Phase 1 is already producing cutting-edge 4nm and 3nm chips. Phase 2, targeting 2nm chip production, is under active construction. The ripple effect on north Phoenix real estate is enormous: 10,000+ direct TSMC jobs, 50,000+ indirect positions in suppliers and services, and an entire ecosystem of engineers, executives, and support staff who need housing in the 85083, 85085, 85086, and 85087 ZIP codes. Demand in Norterra, Happy Valley, Deer Valley Road, and the communities east of I-17 along the Loop 303 corridor has been structurally elevated by this investment. If you are buying near the TSMC corridor for commute, appreciation, or cash-flowing rentals, Ryan knows this submarket in depth.
Equally significant is Intel’s Fab 52 and Fab 62 in Chandler, representing $20 billion in semiconductor investment and more than 12,000 direct employees. The Intel campus anchors the East Valley tech corridor and creates sustained demand in Chandler, Gilbert, Tempe, and Mesa — communities that already rank among the top school districts in Arizona by virtually every measure.
Beyond semiconductors, Phoenix continues to attract corporate relocations and expansions. The favorable business climate (2.5% flat income tax, no inventory tax, right-to-work state), low cost of doing business relative to California and the Pacific Northwest, and the quality-of-life attributes (year-round sunshine, outdoor recreation, relative affordability) continue to draw both companies and the workers they bring with them.
Paradise Valley is the ultra-luxury tier of the Phoenix market and deserves special mention. It is an incorporated town (not a city), has no local sales tax, no city income tax, and no HOA — which makes it uniquely attractive to buyers who want maximum privacy and control over their property. Paradise Valley is bordered by Scottsdale to the east and Phoenix to the west, and it sits at the base of Camelback Mountain and the McDowell Mountains. Estate lots, high architectural standards, and world-class resort properties (the Phoenician, the Ritz-Carlton, the JW Marriott Camelback Inn) define the community. Median prices are in the $3M+ range, with significant transactions well above $10M.
North Scottsdale delivers resort-quality living at a wider range of price points. Communities like DC Ranch, Silverleaf, Grayhawk, Wingate, and McCormick Ranch (central Scottsdale) offer master-planned amenities, world-class golf, and Michelin-caliber dining. The 85255, 85260, 85262, and 85266 ZIP codes see consistent demand from corporate transferees, retirees, and California equity-out buyers. The Scottsdale Unified School District consistently ranks among the top in the state.
Arcadia (technically split between Phoenix and Scottsdale) is the most sought-after infill market in the valley. Irrigated lots, mature landscaping, a walkable connection to Old Town Scottsdale and the Biltmore, and some of the most architecturally distinctive homes in Phoenix make this a perennial seller’s market. Ranch homes on large irrigated lots in the 85018 ZIP code regularly trade above $1.5M–$2M+.
Gilbert was the fastest-growing city in the United States for years running and has built the infrastructure to match — the Heritage District with independently-owned restaurants and retail, multiple AAA-rated school districts (Higley Unified, Gilbert Unified), community parks, and a strong sense of civic identity. For families prioritizing school quality, Gilbert delivers consistently outstanding results and a community built around that priority. Median home prices sit around $530K with a wide range from $380K starter homes to $1M+ custom properties.
Chandler combines the quality of Gilbert’s schools with proximity to the Intel campus and more established retail and dining infrastructure. The Chandler Fashion Center, a well-developed downtown restaurant and arts district, and the proximity to the Price Road tech corridor (Intel, PayPal, Amazon, and dozens of other tech employers) make Chandler a top destination for tech workers. The 85224, 85225, 85226, and 85286 ZIP codes all offer strong school ratings and a well-established suburban character.
Queen Creek sits at the southeastern edge of the valley and has undergone dramatic growth in the past decade. Newer master-planned communities like Harvest, Encanterra (a Trilogy 55+ community), and San Tan Heights offer modern floor plans, resort amenities, and price points that stretch buying power compared to more established East Valley communities. Queen Creek is particularly popular with buyers who want newer construction, larger lots, and a quieter suburban environment while remaining within commuting distance of the tech and financial corridors.
Peoria sits on the TSMC side of the valley and benefits from the semiconductor boom without carrying the premium of the immediately adjacent Deer Valley communities. Well-established neighborhoods like Lake Pleasant Heights, Westwing Mountain, and Vistancia offer quality homes at value prices. Peoria’s Union High School District and Peoria Unified both earn strong ratings.
Goodyear, Buckeye, and Laveen represent the affordable West Valley. Goodyear has seen the most significant retail and infrastructure investment among the three, anchored by the spring training facilities for the Cleveland Guardians and Cincinnati Reds. Estrella Mountain Ranch and Palm Valley are master-planned communities with excellent amenities at approachable price points. Buckeye offers the largest lots per dollar in the metro area and is increasingly popular with remote workers and investors. Laveen sits between Goodyear and South Mountain, offering a rural feel within close proximity to downtown Phoenix.
Maricopa City, approximately 35 miles south of Phoenix on I-10, offers the most affordable price points in the greater metro area. Large lots, newer construction, and a growing local retail and services base make Maricopa City attractive to first-time buyers, remote workers, and investors seeking cash-flow rental properties.
Non-disclosure state. Arizona does not require sellers or their agents to disclose the sale price at closing, and the county recorder’s office does not record sale amounts. This means public property records — what you can look up on the county assessor’s website — will not tell you what a home sold for. The only reliable source of actual sale prices is the MLS, which is accessible only to licensed real estate agents and their clients. This is one of the most important reasons to work with a buyer’s agent in Arizona: Ryan can pull the actual sold comps for any property or neighborhood and build a data-driven offer price based on what buyers are actually paying, not what sellers are asking.
Dry funding state. In many states, particularly those with attorney-closing or recording-delay rules, there is a gap between when the transaction “funds” (money transfers) and when the deed records at the county. During that gap, the buyer has technically paid but does not yet legally own the property. Arizona eliminates this uncertainty: funding and recording happen simultaneously on closing day. When your lender wires the funds and the title company confirms receipt, the deed records at the Maricopa County Recorder’s Office within hours, and you get your keys the same day. Closing day is move-in day in Arizona.
BINSR process. The Buyer’s Inspection Notice and Seller’s Response is Arizona’s structured approach to the inspection negotiation. After going under contract, buyers have a 10-day inspection period (negotiable in the contract, but 10 days is the standard). At the end of that period, the buyer can: (1) cancel the contract and receive their earnest money back, or (2) deliver a BINSR to the seller. The BINSR formally lists the issues the buyer is requesting the seller address — whether through repairs, credits, price reductions, or some combination. The seller then has 5 calendar days to respond. Ryan’s approach to BINSR strategy is to prioritize the significant items (roof, HVAC, structural, electrical) and let the cosmetic items go, which tends to result in better outcomes than kitchen-sinking every minor issue.
HOA disclosures. Under ARS §33-1806, sellers of homes in HOA-governed communities must provide the buyer with an HOA disclosure package containing the CC&Rs, bylaws, financial statements, meeting minutes, and pending assessments. The buyer has 5 days after receiving the disclosure to cancel the contract based on HOA documents. Ryan always reviews the HOA financials (looking specifically for adequate reserves, no pending special assessments, and healthy operational budgets) as part of his standard due diligence for buyer clients.
Homestead exemption. Under ARS §33-1101, Arizona homeowners are entitled to a homestead exemption of up to $400,000 in equity protection from creditors. This is an automatic protection — no filing required — and applies to a primary residence.
Assured Water Supply. Under ARS §45-576, developers in Arizona’s Active Management Areas (which includes the Phoenix AMA, covering most of Maricopa County) must demonstrate a 100-year assured water supply before they can record a subdivision plat. This is a significant protection for buyers in the Phoenix metro, but buyers in unincorporated areas outside the AMAs (like parts of Rio Verde and rural communities) should ask specifically about their water source.
Phoenix has one of the most active new construction markets in the United States, with major homebuilders including D.R. Horton, Lennar, Pulte, Taylor Morrison, Meritage, and Toll Brothers all building across the valley. Understanding the trade-offs between new construction and resale is essential for any buyer in the Phoenix market.
New construction advantages include modern floor plans, energy-efficient construction, builder warranties, and the ability to customize finishes (in most cases). New homes typically come with a builder’s structural warranty (10 years under ARS §12-1361), mechanical warranty (8 years), and workmanship warranty (1 year). For buyers who want a turnkey product without the uncertainty of an older home’s systems, new construction delivers obvious appeal.
New construction considerations that first-time buyers often miss include Community Facilities Districts (CFDs) and Special Improvement Districts (SIDs). These are tax districts authorized under ARS Title 48 that master-planned communities use to finance infrastructure — roads, water lines, parks, fire stations, schools. The CFD or SID assessment appears as a separate line item on your annual property tax bill, on top of your standard property tax. Depending on the community, this can add $500 to $3,000+ per year to your total housing cost. Builders are required to disclose CFD/SID assessments, but the disclosure is often buried in the purchase agreement and not prominently communicated in the sales process. Ryan always pulls the CFD/SID information upfront so his buyer clients know the full cost of ownership before they fall in love with a floor plan.
Post-tension slabs are used in virtually all Phoenix new construction. Unlike traditional slab-on-grade construction with rebar, post-tension slabs use steel cables (tendons) that are tensioned after the concrete cures, creating a slab with superior resistance to cracking. The trade-off is that post-tension slabs can never be cut or penetrated without a structural engineer’s involvement. This affects pool installation (the pool contractor must know the tendon layout), plumbing rerouting, and any future addition that requires breaking the slab. Ryan always confirms the slab type and walks through implications with his buyer clients before closing on any new construction purchase.
Resale advantages typically include more established neighborhoods with mature landscaping, larger lots, proximity to existing retail and services, and (often) no CFD/SID assessments. Resale homes are also usually priced with more room to negotiate than new construction, where builders hold firm on price but may offer incentives (rate buydowns, option credits, closing cost assistance). Ryan’s knowledge of both markets allows him to give his clients a genuine apples-to-apples comparison between new and resale options in any given submarket.
On resale inspections, Ryan’s inspectors are specifically trained to flag Arizona-specific concerns: Zinsco and Federal Pacific Stab-Lok electrical panels (found in homes built before 1990 and known fire hazards), R-22 refrigerant HVAC systems (R-22 was phased out in January 2020 and refrigerant is expensive and increasingly unavailable; replacement of an R-22 system runs $5,000–$15,000+), stucco water intrusion at window and door penetrations, pipe penetrations, and electrical boxes (a common source of mold), and caliche (a hard calcium carbonate layer found in many Phoenix-area soils that significantly increases excavation costs for pools, landscaping, and additions).
The 2026 conforming loan limit in Maricopa and Pinal counties is $806,500 for a single-family home. Loans at or below this threshold qualify as conventional conforming loans (eligible for purchase by Fannie Mae and Freddie Mac), which typically carry the most competitive interest rates and most flexible terms. Buyers purchasing above this threshold need jumbo financing, which carries slightly higher rates and stricter qualifying requirements but is widely available through the major banks and specialty lenders Ryan works with.
FHA loans are backed by the Federal Housing Administration and require a minimum 3.5% down payment (with a 580+ credit score) or 10% down (with a 500–579 credit score). FHA loans carry upfront mortgage insurance (typically 1.75% of the loan amount, added to the loan balance) and annual mortgage insurance premiums for the life of the loan. FHA is often the best option for first-time buyers with limited down payment funds and credit scores in the mid-600s range.
VA loans are available to active-duty military, veterans, and eligible surviving spouses and represent the single best mortgage product available in the United States when it comes to total cost of ownership over time. No down payment, no private mortgage insurance, competitive rates, and a streamlined refinance option (IRRRL) make VA loans exceptionally powerful. The VA funding fee (2.15–3.3%, depending on whether this is a first or subsequent use and whether you make a down payment) is the primary cost, and it is fully waived for veterans with a service-connected disability rating of 10% or greater. Ryan has helped dozens of military buyers navigate the VA appraisal process and understands its quirks in the Phoenix market.
DSCR loans (Debt Service Coverage Ratio) are an increasingly popular option for investors buying rental properties in Phoenix. DSCR loans qualify based on the expected rental income of the property rather than the borrower’s personal income — which makes them ideal for self-employed buyers, investors with complex tax returns, or buyers with multiple rental properties already on their personal tax return. DSCR loans typically require 20–25% down and a minimum DSCR of 1.0 (the property’s gross rent must at least equal the full mortgage payment including taxes, insurance, and HOA). Ryan can refer you to lenders specializing in DSCR if this is relevant to your situation.
The ADOH HOME Plus program offers a 3–5% forgivable grant for down payment and closing costs to qualifying buyers. Requirements: 640+ minimum credit score, $122,100 household income limit, primary residence purchase, and the grant is compatible with FHA, VA, Conventional, and USDA loans. Many buyers who would otherwise need to exhaust their savings for a down payment are able to preserve their emergency fund by layering HOME Plus over a conventional or FHA loan. Ryan works with HOME Plus-certified lenders and can facilitate a referral.
Arizona’s tax structure is genuinely favorable for homeowners, particularly retirees and high-income professionals relocating from California, Illinois, or the Northeast.
The state’s 2.5% flat income tax rate is one of the lowest in the contiguous United States and applies to all income regardless of amount. Social Security benefits are fully exempt from Arizona state income tax — a significant factor for retirees. Military pension income is also fully exempt. Arizona has no state estate or inheritance tax, which is meaningful for estate planning and generational wealth transfer purposes.
On the federal side, IRC §121 provides a capital gains exclusion of $500,000 for married couples filing jointly ($250,000 for single filers) on the sale of a primary residence, provided the seller has owned and used the home as a primary residence for at least 2 of the 5 years preceding the sale. Given Phoenix’s price appreciation over the past decade, many sellers are benefiting significantly from this exclusion.
Arizona also offers a Senior Valuation Protection Program under ARS §42-17302 that freezes the full cash value (and therefore the assessed value and property tax) for qualifying homeowners age 65 or older. To qualify: the owner must be 65+, own and occupy the property as a primary residence, and meet income limits (around $43,872 for a single owner or $54,840 for multiple owners as of recent limits). The freeze is not automatic — it requires an application to the county assessor — but it is renewable every three years and can result in substantial tax savings in an appreciating market. Ryan explains this program to every qualifying buyer client who is purchasing a retirement home.
Choosing the right loan type can save you tens of thousands of dollars. Ryan works with lenders who specialize in each of these.
| Loan Type | Min. Down | PMI / MIP | Best For | 2026 Loan Limit |
|---|---|---|---|---|
| Conventional (Conforming) | 3%–5% | PMI until 20% equity | Most buyers with 620+ credit | $806,500 |
| VA Loan | 0% | None (funding fee applies) | Veterans & active duty | No limit (entitlement based) |
| FHA Loan | 3.5% (580+ credit) | MIP for life of loan | First-time buyers, lower credit | $524,225 (Maricopa County) |
| Jumbo | 10%–20% | Typically none at 20%+ | Luxury homes above conforming limit | Above $806,500 |
| DSCR (Investor) | 20%–25% | None typically | Rental property investors | Varies by lender |
| ADOH HOME Plus Grant | 3%–5% (grant covers this) | Depends on base loan | Income-qualifying first-time buyers | $806,500 |
At-a-glance guide to help you find the right neighborhood for your lifestyle and budget
| Area | Median Price | School Rating | Commute to Downtown | Character |
|---|---|---|---|---|
| Paradise Valley | $3.2M | A+ | 20 min | Ultra-luxury, no HOA, estate lots |
| North Scottsdale | $950K | A | 35 min | Luxury resort living, golf, dining |
| Scottsdale (central) | $720K | A | 25 min | Walkable, arts scene, Old Town energy |
| Arcadia | $1.1M | A+ | 15 min | Irrigated lots, architectural character |
| Chandler | $545K | A | 30 min | Tech corridor (Intel), established |
| Gilbert | $530K | A+ | 35 min | Family-first, top-ranked schools |
| Queen Creek | $485K | A | 45 min | Space, new construction, growth |
| North Phoenix (Deer Valley) | $520K | A- | 25 min | TSMC corridor, high appreciation potential |
| Peoria | $435K | A- | 25 min | Established, TSMC belt, value |
| Goodyear | $420K | B+ | 30 min | Affordable West Valley, growing fast |
| Buckeye | $390K | B+ | 40 min | Most land per dollar in the valley |
| Maricopa City | $340K | B | 50 min | Maximum affordability, rural character |
Median prices are approximate 2026 market data. Commute times reflect typical off-peak driving to downtown Phoenix (Central Avenue corridor). School ratings based on AzMERIT and GreatSchools data.
New-construction buyers often do not discover their CFD/SID assessment until their first property tax bill. Ryan pulls this information before you write any offer, so your total monthly housing cost calculation is accurate from the start.
Arizona is a non-disclosure state — Zillow does not have access to actual sale prices. Zestimates in Phoenix can be off by 10–20%. Ryan builds your offer price from real MLS comps, not a public-facing algorithm with incomplete data.
Buyers who do not schedule their home inspection in the first 2–3 days of the 10-day inspection period risk getting squeezed at the end. Ryan coordinates inspectors immediately after going under contract so there is time to get repair estimates if needed.
HOA financials tell you whether the reserve fund is healthy, whether special assessments are pending, and whether the HOA has unresolved litigation. Ryan reviews these documents and flags anything that should affect your decision.
Phoenix’s beautiful model homes and resort-quality amenities are designed to generate emotional purchasing decisions. Ryan keeps his buyers grounded in what the market data actually supports, which protects them from overpaying in the heat of the moment.
Homes in unincorporated areas outside Arizona’s Active Management Areas may rely on private wells or water hauling — a significant cost and inconvenience. Ryan confirms the water source and supply disclosure for every property his clients consider outside incorporated city limits.
“We relocated from Chicago with two kids and had about six weeks to find a house. Ryan put together a tour of eight homes across Gilbert and Chandler in one weekend, gave us his honest take on every single one — including why two of them were not worth the price — and we were under contract on our dream home by Sunday evening. He made a terrifying process feel completely manageable.”
“As a first-time buyer I was terrified of making a mistake I could not undo. Ryan walked me through the BINSR process, negotiated $12,000 in repairs after my inspection, and explained every document before I signed anything. I was never rushed or confused. I am in a home I love at a price below what I had budgeted.”
“I have bought investment properties in four states and Ryan is by far the most data-driven agent I have worked with. He showed me cap rate comparisons across three neighborhoods, flagged a CFD fee on a new build that would have killed my cash flow projections, and helped me close on a duplex that is already above pro forma. My second deal with him closes next month.”
Book a free, no-obligation consultation and get Ryan’s honest take on the market, your budget, and the neighborhoods that actually fit your life.
(480) 227-9143 Call or text anytime — Ryan responds fastNo. In most Arizona transactions, the seller pays both agents’ commissions. Ryan represents your interests fully — negotiating price, managing the inspection process, reviewing HOA documents, and advocating for you at every step — at no cost to you. A buyer representation agreement, required by Arizona law since August 2024, formalizes that Ryan works for you and you alone, not the seller. He is legally obligated to put your interests first and disclose everything material he knows about any property you are considering.
It is ideal, but not required to start the conversation. If you are not yet pre-approved, Ryan can refer you to trusted Phoenix-area mortgage lenders who specialize in purchase transactions and consistently close on time. Being pre-approved before you begin touring homes significantly strengthens your offers in a competitive market — sellers take pre-approved buyers far more seriously, and in a multiple-offer situation, a clean pre-approval from a lender the listing agent recognizes can often make the difference between winning and losing.
Three things stand out most for out-of-state buyers. First, Arizona is a non-disclosure state — sale prices are not recorded publicly, so you need a Realtor with MLS access to know what homes actually sell for (not just what they list for or what Zillow estimates). Second, Arizona is a dry funding state — closing day is move-in day. There is no gap between funding and recording; when escrow closes, the deed records and you get your keys immediately. Third, Arizona uses the BINSR process for inspection negotiations: a 10-day inspection period followed by a formal Buyer’s Inspection Notice and Seller’s 5-day response window. Ryan will walk you through every step of this process in detail during your initial consultation.
A CFD is a special tax district used by many master-planned communities in Arizona to finance infrastructure — roads, utilities, parks, schools. The CFD assessment appears as a separate line item on your annual property tax bill, typically ranging from $500 to $3,000+ per year depending on the community. Many new-construction buyers do not discover their CFD until their first tax bill. Ryan proactively checks for CFD and SID (Special Improvement District) assessments on every property his clients consider, ensuring your total monthly cost calculation is accurate from the beginning.
Ryan covers the entire Phoenix metropolitan area: Scottsdale, Paradise Valley, Chandler, Gilbert, Mesa, Tempe, Queen Creek, Cave Creek, Fountain Hills, Peoria, Glendale, Surprise, Goodyear, Avondale, Buckeye, Laveen, and Maricopa. He also works with buyers in the TSMC corridor communities of north Phoenix (85083, 85085, 85086, 85087 ZIP codes) and expanding communities in Pinal County including San Tan Valley, Florence, and Coolidge.
Yes, and this is actually one of the most valuable situations in which to have Ryan in your corner. Builders’ on-site sales agents represent the builder — not you. They are not required to disclose information that might cause you to walk away. Ryan attends every new construction appointment with his buyer clients, reviews the purchase agreement, checks for CFD/SID assessments, confirms the slab type, reviews the builder’s warranty, and negotiates incentives and upgrades on your behalf. His representation costs you nothing — builders bake buyer agent commissions into their pricing regardless of whether you have representation.