186 E Flat Rock Rdg, Flagstaff, AZ 86001 Property Records

Coconino County property record for 186 E Flat Rock Rdg, Flagstaff, AZ 86001

Property Summary

Property Type	Single Family Home
Details	4,509 sqft · built 2021
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jun 2016)
Tax Bill	$7,497 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`110-12-026`

Property Details

APN / Parcel Number

Primary APN	`110-12-026`
Alternative APNs	`110-12-026A` `R1072977` `R0357240`

Interior

Stories	1 Story
Building Area	4,509 sqft Living Area
1st Floor Area	4,509 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	108,900 sqft (2.5 acres)

Location & Zoning

Account Number	R1072977
Street Address	186 E FLAT ROCK RDG
City	FLAGSTAFF
State	AZ
Zip	86001-1907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: LOCKETT RANCHES POR TR 5DESC AS FLLWS: BEG NW COR SEC 3; TH N 89-10-08 E 517.47; TH S 14-59-42 E 502.99; TH S 89-33-21 W 152.84; TH S 00-54-50 W 359.60; TH S 00-54-50 W 339.10; TH N 81-58-39 E 83.81 TPOB; TH N 00-54-57E 317.72; TH S 82-5
Legal Range	07E
Legal Township	21N
Legal Section	03
Legal Subdivision	LOCKETT RANCHES
Legal Tract	5
Legal Lot Number	5
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	2
Census Block	2005
Census Tract	200

Owner

Source: Coconino County records, as of June 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1086, FLAGSTAFF, AZ 86002-1086
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage TYLAN MORTGAGE LLC
Aug 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage MISSION BANK
May 8, 2025	Deed of Trust, Mortgage · Line of Credit MISSION BANK
Mar 20, 2020	Warranty Deed, Transfer CLEAR TITLE AGENCY/FLAGSTAFF, CLEAR TITLE AGCY/FLAGSTAFF

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2016 · Amount on Record
Deed Sale	Jun 2, 2016 · Amount on Record
Prior Sale	Dec 29, 1998 · Amount on Record
Deed Document Number	20163753779
Record Updated	Sep 20, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	186 E FLAT ROCK RDG, FLAGSTAFF, AZ 86001-1907
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004012763
Date	Mar 5, 2025
Instrument	4012763

Lender

Name	TYLAN MORTGAGE LLC
Type	Mortgage Company
Address	FLAGSTAFF, AZ 86001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	186 E FLAT ROCK RDG, FLAGSTAFF, AZ 86001-1907
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 E FLAT ROCK RDG, FLAGSTAFF, AZ 86001-1974

Mortgage

Document Number	0003979999
Date	Aug 18, 2023
Instrument	3979999

Lender

Name	MISSION BANK
Type	Bank
Address	FLAGSTAFF, AZ 86001

Agreement

Type	Commercial Mortgage

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	186 E FLAT ROCK RDG, FLAGSTAFF, AZ 86001-1907
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 E FLAT ROCK RDG, FLAGSTAFF, AZ 86001-1907

Mortgage

Document Number	0004016699
Date	May 8, 2025
Instrument	4016699

Lender

Name	MISSION BANK
Type	Bank
Address	FLAGSTAFF, AZ 86001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Mar 20, 2020
Property Address	186 E FLAT ROCK RDG, FLAGSTAFF, AZ 86001-1907
Document Number	0003868464
Instrument Date	Mar 17, 2020
Instrument	3868464
Transaction Type	Transfer
Record Updated	Apr 15, 2020
Title Company	CLEAR TITLE AGENCY/FLAGSTAFF, CLEAR TITLE AGCY/FLAGSTAFF

Transaction

Amount	Amount Recorded
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	955 E HATTIE GREENE FLAGSTAFF AZ 860011942, FLAGSTAFF, AZ 86001-1942

Tax Assessment & Valuation

Source: Coconino County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,497.00 (+144.2%)	$155,493 (+179.7%)	$1,554,930 (+319.55%) Land $389,148 Building $1,165,782
2024		$55,593 Land $55,593
2023	$3,070.00		$370,618 Land $370,618

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 93% of the US · above 90% of Arizona
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Bluespan Wireless, CenturyLink, Optimum, Verizon.

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