2901 Ridge Cir, Overgaard, AZ 85933 Property Records

Navajo County property record for 2901 Ridge Cir, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	1,636 sqft · built 1991
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Feb 2026)
Tax Bill	$1,765 (2025)
Deeds & Mortgages	May 2023 Line of Credit Mar 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`206-41-143`

Property Details

APN / Parcel Number

Primary APN	`206-41-143`

Interior

Stories	2 Stories
Building Area	1,636 sqft Living Area
1st Floor Area	1,636 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Metal
Lot Area	47,916 sqft
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Deck Area	Deck Area
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	2901 RIDGE CIR
City	OVERGAARD
State	AZ
Zip	85933-5340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	FOREST TRAILS #1:LOT 143 PER PLAT 15-11,12,13
Legal Range	17E
Legal Township	12N
Legal Section	28
Legal Subdivision	FOREST TRAILS #1
Legal Lot Number	143
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2028
Census Tract	963700

Owner

Source: Navajo County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8987 E TANQUE VERDE RD, TUCSON, AZ 85749-9610
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Mar 27, 2025	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Feb 23, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Sep 3, 2019	Correction Deed LAWYERS TITLE, LAWYERS TITLE/AZ
Sep 3, 2019	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Sep 3, 2019 · Amount on Record
Deed Document Number	20262377
Prior Transfer Date	Jul 2, 2010
Prior Transfer Doc	0000006138
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2901 RIDGE CIR, OVERGAARD, AZ 85933-5340
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005686
Date	May 4, 2023
Instrument	2023-05686

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2901 RIDGE CIR, OVERGAARD, AZ 85933-5340
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004074
Date	Mar 27, 2025
Instrument	2025-04074

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Feb 23, 2026
Property Address	2901 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000002377
Map Reference	MB 15 PG 11-13
Instrument Date	Feb 12, 2026
Instrument	2026-02377
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

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	PO BOX 88706, SIOUX FALLS, SD 57109-8706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8987 E TANQUE VERDE RD STE 309, 309, TUCSON, AZ 85749-9399

Mortgage

Document Number	0000002378
Date	Feb 23, 2026
Instrument	2026-02378

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	NAVAJO AZ
Recording Date	Sep 3, 2019
Property Address	2901 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000013459
Instrument Date	Sep 3, 2019
Instrument	13459
Record Updated	Sep 17, 2019
Title Company	LAWYERS TITLE, LAWYERS TITLE/AZ

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	19887 N SWAN CT MARICOPA AZ 851383969, MARICOPA, AZ 85138-3969

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Sep 3, 2019
Property Address	2901 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000013460
Instrument Date	Aug 2, 2019
Instrument	13460
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.50
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	9788 N 106TH PL SCOTTSDALE AZ 852586065, SCOTTSDALE, AZ 85258-6065

Mortgage

Document Number	13461
Date	Sep 3, 2019
Instrument	13461

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

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			$404,101 (+0.54%) Land $81,492 Building $322,609
2026			$401,946 (+4.95%) Land $82,566 Building $319,380
2025	$1,765.00 (+1.5%)	$38,300 Land $7,856 Building $30,444	$382,996 Land $78,556 Building $304,440
2024	$1,739.00 (+2.9%)
2023	$1,690.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	High above 88% of the US · above 83% of Arizona
Wildfire Likelihood	0.5% 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

May also be available: Sparklight, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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