2185 Western Star Dr, Overgaard, AZ 85933 Property Records

Navajo County property record for 2185 Western Star Dr, Overgaard, AZ 85933

Property Summary

Property Type	Mobile Home
Details	1,968 sqft · built 2003
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Nov 2023)
Tax Bill	$643 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206-16-261A`

Property Details

APN / Parcel Number

Primary APN	`206-16-261A`

Interior

Stories	2 Stories
Building Area	1,968 sqft Living Area
1st Floor Area	400 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Construction Type	Wood
Roof Material	Built-Up Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	56 ft deep x 28 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2185 WESTERN STAR DR
City	OVERGAARD
State	AZ
Zip	85933-5451
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R-3
Legal Description	ZANE GREY MOBILE HOMES ESTATES #2 LOT 260 & 261 OUT OF 206-16-260 & 261 FOR 2003 ROLL // 2003 CLAYTON 28X56 VIN# CEM003216AZA&B 2004-29267 //
Legal Range	17E
Legal Township	12N
Legal Section	29
Legal Subdivision	ZANE GREY MOBILE HOMES ESTATES #2
Legal Lot Number	260-2
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1045
Census Tract	963700

Owner

2185 Western Star Dr, a mobile home, is owned by two individuals who bought it in November 2023.

Source: Navajo County records, as of June 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1597, OVERGAARD, AZ 85933-1597
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Line of Credit ZB NA
Nov 22, 2023	Warranty Deed, Transfer · FHA Mortgage EFINITY FINANCIAL INC
Mar 7, 2023	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2023 · Amount on File
Deed Sale	Nov 22, 2023 · Amount on File
Prior Sale	Mar 7, 2023
Deed Document Number	202316587
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2185 WESTERN STAR DR, OVERGAARD, AZ 85933-5451
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2185 WESTERN STAR DR 1755, 1755, OVERGAARD, AZ 85933-5451

Mortgage

Document Number	0000003984
Date	Mar 27, 2024
Instrument	2024-03984

Lender

Name	ZB NA
Type	Bank
Address	OVERGAARD, AZ 85933

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Nov 22, 2023
Property Address	2185 WESTERN STAR DR, OVERGAARD, AZ 85933-5451
Document Number	0000016587
Map Reference	MB 9 PG 9
Instrument Date	Nov 3, 2023
Instrument	2023-16587
Transaction Type	Transfer
Record Updated	Nov 30, 2023
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	9230 STATE ROUTE 45, LISBON, OH 44432-8505

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 1597, OVERGAARD, AZ 85933-1597

Mortgage

Document Number	0000016588
Date	Nov 22, 2023
Instrument	2023-16588

Lender

Name	EFINITY FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAVAJO AZ
Recording Date	Mar 7, 2023
Property Address	2185 WESTERN STAR DR, OVERGAARD, AZ 85933-5451
Document Number	0000002805
Map Reference	MB 9 PG 9
Instrument Date	Mar 3, 2023
Instrument	2023-02805
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 2403, OVERGAARD, AZ 85933-2403

Mortgage

Document Number	0000002806
Date	Mar 7, 2023
Instrument	2023-02806

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2185 Western Star Dr was $643.

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			$148,575 Land $30,399 Building $118,176
2025	$643.00	$13,739 (+15.12%) Land $2,930 Building $10,809	$137,390 (+15.13%) Land $29,303 Building $108,087
2024		$11,934 Land $3,048 Building $8,886	$119,332 Land $30,475 Building $88,857
2023	$615.00 (+5.49%)
2022	$583.00

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

Flood

FEMA maps place 2185 Western Star Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2185 Western Star Dr is moderate, ranking above 67% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 55% of Arizona
Wildfire Likelihood	0.1% 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber · Fixed Wireless	2,000 / 2,000
Sparklight Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	45 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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