2295 Bison Ranch Trl, Overgaard, AZ 85933 Property Records

Navajo County property record for 2295 Bison Ranch Trl, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	2,064 sqft · built 2001
Lot Size	1.66 acres (72,745 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (Jul 2025)
Tax Bill	$3,484 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`206-49-023A`

Property Details

APN / Parcel Number

Primary APN	`206-49-023A`
Alternative APN	`20649023`

Interior

Stories	2 Stories
Building Area	2,064 sqft Living Area
1st Floor Area	1,896 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	72,745 sqft
Garage Type	Detached
Garage Area	576 sqft
Deck Area	Deck Area
Patio Area	627 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2295 BISON RANCH TRL
City	OVERGAARD
State	AZ
Zip	85933-3276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	SECTION 33 & 34, T12N, R17E: BISON RANCH, LOTS 23 & 22 PER PLATS 20-3 THRU 6. COMB 206-49-022 & 023 TO 023A FOR06
Legal Range	17E
Legal Township	11N
Legal Section	04
Legal Subdivision	BISON RANCH
Legal Lot Number	23,22
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2075
Census Tract	964201

Owner

Source: Navajo County assessment roll, 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 File
Mailing Address	28006 N 158TH ST, SCOTTSDALE, AZ 85262-7714
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING INC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 16, 2019	Warranty Deed, Transfer · Conventional with PMI NFM LNDG
May 2, 2019	Trustee's Deed, Foreclosure OTHER
Sep 1, 2017	Quit Claim Deed, Transfer PIONEER TITLE COMPANY, PIONEER TITLE AGENCY
Aug 30, 2017	Warranty Deed, Transfer FREEMAN T L & S B TR (PT)

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2025 · Amount on Record
Deed Sale	Jul 25, 2025 · Amount on Record
Prior Sale	Aug 16, 2019 · Amount on Record
Deed Document Number	202510517
Prior Transfer Date	Aug 28, 2017
Prior Transfer Doc	0000013485
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276
Transaction Type	Mortgage
Record Updated	Mar 16, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276

Mortgage

Document Number	0000004749
Date	Mar 8, 2022
Instrument	2022-04749

Lender

Name	NFM LENDING INC
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004566
Date	Mar 4, 2021
Instrument	2021-04566

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Aug 16, 2019
Property Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276
Document Number	0000012414
Instrument Date	Aug 15, 2019
Instrument	12414
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$407.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	936 S ABALONE DR KEARNY AZ 85137, KEARNY, AZ 85137

Mortgage

Document Number	12415
Date	Aug 16, 2019
Instrument	12415

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	NAVAJO AZ
Recording Date	May 2, 2019
Property Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276
Document Number	0000006044
Instrument Date	Apr 30, 2019
Instrument	6044
Transaction Type	Foreclosure
Record Updated	May 15, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	9650 E VANTAGE POINT RD SCOTTSDALE AZ 852623144, SCOTTSDALE, AZ 85262-3144

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAVAJO AZ
Recording Date	Sep 1, 2017
Property Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276
Document Number	0000013485
Instrument Date	Aug 28, 2017
Instrument	13485
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9650 E VANTAGE POINT RD SCOTTSDALE AZ 852623144, SCOTTSDALE, AZ 85262-3144

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Aug 30, 2017
Property Address	2295 BISON RANCH TRL, OVERGAARD, AZ 85933-3276
Document Number	0000013284
Instrument Date	Aug 28, 2017
Instrument	13284
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 342 WADDELL AZ 853550342, WADDELL, AZ 85355-0342

Mortgage

Document Number	13285
Date	Aug 30, 2017
Instrument	13285

Lender

Name	FREEMAN T L & S B TR (PT)
Address	9650 E VANTAGE POINT RD, SCOTTSDALE, AZ 85262-3144

Agreement

Amount	Amount Recorded

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			$552,205 (+8.53%) Land $82,464 Building $469,741
2025	$3,484.00 (+4.22%)	$50,881 Land $6,447 Building $44,434	$508,803 Land $64,466 Building $444,337
2023	$3,343.00

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 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 88% of the US · above 82% of Arizona
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation at the parcel

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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: Cable One, Conexon Connect, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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