Navajo County property record for 2795 Valley Cut, Overgaard, AZ 85933
| Property Type | Single Family Home |
|---|---|
| Details | 1,881 sqft · built 2001 |
| Lot Size | 1.23 acres (54,014 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Oct 2020) |
| Tax Bill | $2,384 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 206-35-071B |
| Primary APN | 206-35-071B |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,881 sqft Living Area |
| 1st Floor Area | 1,723 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 54,014 sqft |
| Deck Area | Deck Area |
| Patio Area | 722 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2795 VALLEY CUT |
|---|---|
| City | OVERGAARD |
| State | AZ |
| Zip | 85933-5441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU-1 |
| Legal Description | SECTION 31,T12N,R17E: COM N4 COR; TH N89*5759 W 360.1 TPOB; TH N89*5759 W 172.00; TH S00*0228 E 313.17; TH S89*3300 E 172.0 0; TH N00*0224 W 314.41 TPOB. (PER SURVEY 30-95) OUT OF 206-35 -071 FOR2001ROLL |
| Legal Range | 17E |
| Legal Township | 12N |
| Legal Section | 31 |
| Jurisdiction | NAVAJO AZ |
| Township / Civil Division | SNOWFLAKE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 964201 |
2795 Valley Cut is owned by an individual who bought it in October 2020.
Source: Navajo County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 540 E AMES PL, PHOENIX, AZ 85004-1804 |
| 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.
| Date | Document |
|---|---|
| Jun 3, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC |
| Oct 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2020 · Amount on File |
| Deed Sale | Oct 29, 2020 · Amount on File |
| Deed Document Number | 202021933 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Recording Date | Jun 3, 2021 |
| Property Address | 2795 VALLEY CUT, OVERGAARD, AZ 85933-5441 |
| Document Number | 0000012276 |
| Map Reference | MB 30 PG 95 |
| Instrument Date | Jun 3, 2021 |
| Instrument | 2021-12276 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 E AMES PL, PHOENIX, AZ 85004-1804 |
| Document Number | 0000012277 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021-12277 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Recording Date | Oct 29, 2020 |
| Property Address | 2795 VALLEY CUT, OVERGAARD, AZ 85933-5441 |
| Document Number | 0000021933 |
| Map Reference | MB 30 PG 95 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 2020-21933 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | PIONEER TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 188, OVERGAARD, AZ 85933-0188 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9276 W UNION HILLS DR STE A, A, PEORIA, AZ 85382-8206 |
| Document Number | 0000021934 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | 2020-21934 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 2795 Valley Cut was $2,384.
Source: Navajo County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Arizona |
| County | Navajo County |
| Unified School District | Heber-Overgaard Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2027 | $413,527 Land $59,164 Building $354,363 | ||
| 2025 | $2,384.00 | $38,084 Land $5,286 Building $32,798 | $380,838 Land $52,856 Building $327,982 |
| 2023 | $2,288.00 |
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.
FEMA maps place 2795 Valley Cut in Zone X, an area of minimal flood risk.
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 risk around 2795 Valley Cut is very high, ranking above 91% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 86% of Arizona |
|---|---|
| Wildfire Likelihood | 1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 259 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: Conexon Connect, Sparklight, Verizon.
5G (outdoors only) and 4G LTE
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