Investor profile - AZ
Charles Montoya
Charles Montoya is a real estate investor and operator based in Phoenix, AZ. Public filings show activity across 3 properties held through 11 holding companies. Recent mortgage relationships include PATHFINDER 312, UWM, and NewRez.
Charles's Activity
As of December 2025, public records show approximately $2.7M in recorded mortgage exposure linked to this investor across at least 7 mortgage filings and 3 properties held through 11 holding companies. Activity appears concentrated in residential assets recorded between 2018 and 2025.
Primary Geography
Phoenix, AZ
ZIP codes: 85283, 85392, and 85706
Most recorded activity for this investor appears in TEMPE, TUCSON, and AVONDALE.
Property Type Breakdown
Associated Entities (11)
AZ · 0 properties · 6 mortgages
AZ · 0 properties · 1 mortgage
AZ · 0 properties · 0 mortgages
+8 more not shown
Mortgages (7)
Top Lenders
| Date | Amount | Status | Lender | Borrower | Address |
|---|---|---|---|---|---|
| 12/20/2024 | $100k | Open | Define Mortgage Solutions | A WIDOW | 14202 N EL MIRAGE RD, EL MIRAGE, AZ 85335 |
| 07/29/2024 | $70k | Open | UWM | A WIDOW | 4462 E DONATO DR, GILBERT, AZ 85298 |
| 07/29/2022 | $232k | Open | UWM | A WIDOW | 14852 N 62ND AVE, GLENDALE, AZ 85306 |
+4 more not shown
Owned Properties (3)
| Address | Deeded owner | Status | Consideration |
|---|---|---|---|
| 6199 S WATER FOUNTAIN DR, TUCSON, AZ 85706 | - | Owns - 6.6 yrs | $197k |
| 3205 N 110TH AVE, AVONDALE, AZ 85392 | CHARLES MONTOYA | Sold | $380k |
| 6826 S MITCHELL DR, TEMPE, AZ 85283 | RICHARD MERTENS | Owns - 10.4 yrs | $210k |
+0 more not shown
FAQ
What type of real estate does this investor focus on?
Associated mortgages and deeds show activity in residential properties across Phoenix, AZ.
What companies is Charles Montoya associated with?
Charles Montoya is associated with 11 entities based on extracted signatures from public records. Key entities include A WIDOW, VIRTUA ENCANTO TOWNHOMES OWNER LLC, PENDERGAST ELEMENTARY SCHOOL DISTRICT NO 92, TM HOMES OF ARIZONA INC AN ARIZONA CORP, and FER PROPERTIES AN ARIZONA GENERAL PARTNERSHIP.
How many properties are associated with this investor?
At least 3 properties are associated with Charles Montoya and the entities they control, based on signatures extracted from recorded documents connecting Charles Montoya to the entities.
Which lenders has this investor worked with?
Recent mortgage activity references PATHFINDER 312, UWM, and NewRez, indicating a mix of lending relationships.
How recent is their activity?
Records show activity from 2018 through 2025, with the most recent mortgage recorded in 2024.
How is associated activity determined?
Elementix uses AI to extract signatures from recorded documents. These signatures are used to determine the relationships between people and entities. This is a novel approach that goes beyond looking at corporate filings and skip-tracing.
The information displayed on this page is compiled from recorded real estate documents, business filings, and other lawfully available sources. Elementix summarizes and analyzes public record activity related to investment real estate and associated business entities. Any contact indicators shown (such as email domain references or partial phone digits) are provided solely as unverified signals and may be incomplete or outdated.
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