2010 Christmas Pine Rd, Overgaard, AZ 85933 Property Records

Navajo County property record for 2010 Christmas Pine Rd, Overgaard, AZ 85933

Property Summary

Property Type	Commercial
Details	3,738 sqft · built 2007
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,000 (Jul 2019)
Tax Bill	$2,187 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206-02-169B`

Property Details

APN / Parcel Number

Primary APN	`206-02-169B`

Interior

Stories	2 Stories
Building Area	3,738 sqft Gross Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	672 sqft
Deck Area	Deck Area
Patio Area	686 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2010 CHRISTMAS PINE RD
City	OVERGAARD
State	AZ
Zip	85933-5482
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R1-10
Legal Description	SECTION 30, T12N,R17E: BEG NE COR LOT 2 PER SRVY 39-16; TH S0017 27E 226.46 TPOB; TH S001412 E 218.29; TH S842606 W 78.91 ; TH ALG A CURVE (R=150) 49.32; TH N130556 E 24.96; TH N163 247 E 206.89; TH S895505 E 62.00 TPOB. OUT OF 206-02-169 FOR 2
Legal Range	17E
Legal Township	12N
Legal Section	30
Legal Subdivision	UNITED ESTATES
Legal Lot Number	2
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2008
Census Tract	964201

Owner

Source: Navajo County records, as of June 12, 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 995, OVERGAARD, AZ 85933-0995
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 23, 2019	Warranty Deed, Transfer · Conventional Mortgage SUN AMERICA MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Sep 4, 2008 · Amount on Record
Deed Document Number	201910845
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2010 CHRISTMAS PINE RD, OVERGAARD, AZ 85933-5482
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015085
Date	Oct 24, 2023
Instrument	2023-15085

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2010 CHRISTMAS PINE RD, OVERGAARD, AZ 85933-5482
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	ESTATE TITLE, STATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2010 CHRISTMAS PINE RD, OVERGAARD, AZ 85933-5482
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017502
Date	Aug 6, 2021
Instrument	2021-17502

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jul 23, 2019
Property Address	2010 CHRISTMAS PINE RD, OVERGAARD, AZ 85933-5482
Document Number	0000010845
Map Reference	MB 39 PG 16
Instrument Date	Jun 21, 2019
Instrument	2019-10845
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3678 E ENCINAS AVE, 3678, GILBERT, AZ 85234-2917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1707 N PLATINA CIR, MESA, AZ 85205-3662
Mail Care Of	CHRISTINE KING

Mortgage

Document Number	0000010846
Date	Jul 23, 2019
Instrument	2019-10846

Lender

Name	SUN AMERICA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Navajo County assessment roll, as of June 12, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Navajo County
Unified School District	Heber-Overgaard Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027			$508,668 (+1,890.17%) Land $34,307 Building $474,361
2025	$2,187.00 (-0.55%)	$4,601 Land $4,601	$25,559 Land $25,559
2023	$2,199.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 8, 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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	High above 84% of the US · above 76% of Arizona
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ARIZONA WATER CO - OVERGAARD private · serves 13,797 people · EPA ID AZ0409004
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Conexon Connect, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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