2342 Puma Cir, Overgaard, AZ 85933 Property Records

Navajo County property record for 2342 Puma Cir, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	2,259 sqft · built 1998
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,500 (Mar 2021)
Tax Bill	$2,565 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-45-280`

Property Details

APN / Parcel Number

Primary APN	`206-45-280`

Interior

Stories	1 Story
Building Area	2,259 sqft Living Area
Gross Area	2,852 sqft
1st Floor Area	2,259 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	46,174 sqft
Garage Type	Attached
Garage Area	593 sqft
Porch	Open Slab
Porch Area	26 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2342 PUMA CIR
City	OVERGAARD
State	AZ
Zip	85933-5315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	MOGOLLON ESTATES:LOT 280, PER PLAT 18-30, 31, 32. OUT OF:206-01-0 28, 029, 030, 031 FOR 97 ROLL XGR-2
Legal Range	17E
Legal Township	12N
Legal Section	34
Legal Subdivision	MOGOLLON ESTATES
Legal Lot Number	280
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2107
Census Tract	963700

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 587, OVERGAARD, AZ 85933-0587
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage AMERICA FIRST FCU
Mar 24, 2021	Warranty Deed, Transfer · FHA Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	20216026
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2342 PUMA CIR, OVERGAARD, AZ 85933-5315
Transaction Type	Mortgage
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2342 PUMA CIR, OVERGAARD, AZ 85933-5315

Mortgage

Document Number	0000000327
Date	Jan 9, 2024
Instrument	2024-00327

Lender

Name	AMERICA FIRST FCU
Type	Credit Union
Address	OGDEN, UT 84405

Agreement

Amount	Amount Recorded
Term	63 Months
Due	Apr 29, 2029

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Mar 24, 2021
Property Address	2342 PUMA CIR, OVERGAARD, AZ 85933-5315
Document Number	0000006026
Map Reference	MB 18 PG 30-32
Instrument Date	Jan 25, 2021
Instrument	2021-06026
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	426 NIMITZ AVE, 426, STATE COLLEGE, PA 16801-6411

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 587, OVERGAARD, AZ 85933-0587

Mortgage

Document Number	0000006027
Date	Mar 24, 2021
Instrument	2021-06027

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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			$622,688 (+18.4%) Land $98,725 Building $523,963
2025	$2,565.00 (+4.4%)	$52,594 Land $7,561 Building $45,033	$525,939 Land $75,606 Building $450,333
2023	$2,457.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (1999–2001)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2001 · rainfall accumulation

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 90% of the US · above 85% of Arizona
Wildfire Likelihood	0.6% 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.

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

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

4G LTE only, no 5G reported

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