The Statute Does Not Vary. Coverage Does.
A.R.S. section 33-814(G) applies in every Arizona municipality and in unincorporated county alike. But it only reaches property of two and one-half acres or less, limited to and utilized for a single one-family or two-family dwelling.
So the practical question across this region is not what the law says but whether your parcel is inside it. The rules are on our page covering anti-deficiency protection and the word utilized.
Two Other Things Move by Area
What the buildings are made of. Adobe and masonry in the centre, timber and engineered assemblies further out. That decides what survived.
Which authority permits a rebuild. Tucson, South Tucson, Oro Valley, Marana and unincorporated Pima County are all separate, and the boundaries are not visible from the road.
What Actually Differs
| Area | Does the acreage limit bite | What decides the file |
|---|---|---|
| Central Tucson and the barrios | Almost never, lots are small | What the adobe actually did |
| South Tucson and the south side | No, but shortfalls are likelier | Which of two cities you are in |
| The Catalina Foothills | Often, on the larger parcels | The assessor's acreage figure |
| The east side and Vail | Rarely | Deed of trust date, before or after 2015 |
| The northwest | Sometimes, especially horse property | Which of three jurisdictions |
| Southern Arizona | Frequently, acreage is normal | Whether a sale clears the loan |
Areas We Cover
- TucsonThe statute, the word utilized and what the property is worth
- Central Tucson and the BarriosAdobe, and what a fire really does to it
- South Tucson and the South SideA separate city inside the city
- The Catalina FoothillsWhere two and a half acres becomes decisive
- The East Side and VailRita Ranch, Civano and post-2015 loans
- The NorthwestOro Valley, Marana and Casas Adobes
- Southern ArizonaGreen Valley, Sahuarita, Benson and Sierra Vista
If Your Area Is Not Listed
We buy across Tucson, Pima County and southern Arizona, including in places without a page here. Because the decisive facts are the parcel size and whether there is a loan on the property, the specific address matters far more than the general direction.
Send the address and we will check the parcel.