200 ft above ground, size of Cessna, silent, fixed wings, heading North towards Rio Verde

I was walking out to the parking lot of Eagles Landing condos and viewed an object at about 200 ft above the ground, traveling silently at about 200 miles per hour, the size of a small commercial aircraft, apparent wings fixed and apparently in a slight descent. It shot over my head and disappeared in a northerly direction, wings remaining fixed and without sound. It was way too large to be a known animal.
The sky is clear, stars are visible (Fountain Hills is a dark-sky community), and the object did not apparently crash audibly.
This is my second encounter with something unexplained in Fountain Hills, as I witnessed a motor vehicle apparently disappear in the same area several months ago after sunset. Its headlights vanished within a mile of contact as we were approaching one another on the road. No trace.