23 E Judy St, Flagstaff, AZ 86005 Property Records

Coconino County property record for 23 E Judy St, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,753 sqft · built 2005
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Jun 2025)
Tax Bill	$3,747 (2025)
Deeds & Mortgages	Apr 2022 Second Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-06-021`

Property Details

APN / Parcel Number

Primary APN	`105-06-021`
Alternative APN	`R0047727`

Interior

Full Baths	3.5 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,753 sqft Living Area
Gross Area	2,272 sqft
1st Floor Area	1,136 sqft

Exterior

Year Built	Built 2005
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	7,405 sqft (0.169 acres)
Terrain	Gentle Slope
Garage Type	Attached
Garage Area	578 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R0047727
Street Address	23 E JUDY ST
City	FLAGSTAFF
State	AZ
Zip	86005-6909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: ASPEN TRAILS LOT: 20 SIXTEENTH: SW QUARTER: NW SECTION: 33 TOWNSHIP: 21N RANGE: 07E
Legal Range	07E
Legal Township	21N
Legal Section	33
Legal Subdivision	ASPEN TRAILS
Legal Lot Number	20
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1000
Census Tract	901

Owner

23 E Judy St is owned by an individual who bought it in June 2025.

Source: Coconino County records, as of November 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2017 E PEGASUS DR, TEMPE, AZ 85283-3326
Owner Type	Individual

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
Apr 21, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ONEAZ CU
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 2, 2017	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2025 · Amount on File
Deed Sale	Jun 12, 2025 · Amount on File
Prior Sale	Apr 21, 2022
Deed Document Number	4018899
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	Apr 21, 2022
Property Address	23 E JUDY ST, FLAGSTAFF, AZ 86005-6909
Document Number	0003948659
Map Reference	CASE 7 MAP 25-25A
Instrument Date	Apr 15, 2022
Instrument	3948659
Transaction Type	Transfer
Record Updated	Jun 8, 2022
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	Community Property with Right of Survivorship
Address	23 E JUDY ST, FLAGSTAFF, AZ 86005-6909

Mortgage

Document Number	0003948660
Date	Apr 21, 2022
Instrument	3948660

Lender

Name	ONEAZ CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	23 E JUDY ST, FLAGSTAFF, AZ 86005-6909
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 E JUDY ST, FLAGSTAFF, AZ 86005-6909

Mortgage

Document Number	0003930203
Date	Oct 1, 2021
Instrument	3930203

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	23 E JUDY ST, FLAGSTAFF, AZ 86005-6909
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003864506
Date	Feb 4, 2020
Instrument	3864506

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Oct 2, 2017
Property Address	23 E JUDY ST, FLAGSTAFF, AZ 86005-6909
Document Number	0003797478
Instrument Date	Sep 19, 2017
Instrument	3797478
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	STEWART TITLE, STEWART TITLE & TR/PHOENIX

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 E JUDY ST FLAGSTAFF AZ 860056909, FLAGSTAFF, AZ 86005-6909

Mortgage

Document Number	3797479
Date	Oct 2, 2017
Instrument	3797479

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 23 E Judy St was $3,747.

Source: Coconino County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,495 Land $13,994 Building $58,501
2025	$3,747.00		$724,948 Land $139,938 Building $585,010
2024		$61,702 Land $12,169 Building $49,533
2023	$2,496.00 Homeowner's exemption		$617,013 Land $121,685 Building $495,328

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

FEMA maps place 23 E Judy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 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 23 E Judy St is moderate, ranking above 52% 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 52% of the US · above 41% of Arizona
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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	CITY OF FLAGSTAFF serves 79,796 people · EPA ID AZ0403008
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	53 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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Bluespan Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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