2904 Ridge Cir, Overgaard, AZ 85933 Property Records

Navajo County property record for 2904 Ridge Cir, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	2,177 sqft · built 1995
Lot Size	1.36 acres (59,677 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (May 2023)
Tax Bill	$2,819 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`206-41-141`

Property Details

APN / Parcel Number

Primary APN	`206-41-141`

Interior

Stories	2 Stories
Building Area	2,177 sqft Living Area
1st Floor Area	2,177 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	59,677 sqft
Garage Type	Attached
Garage Area	593 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	917 sqft
Deck Area	Deck Area
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2904 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 141 PER PLAT 15-11,12,13
Legal Range	17E
Legal Township	12N
Legal Section	28
Legal Subdivision	FOREST TRAILS #1
Legal Lot Number	141
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2028
Census Tract	963700

Owner

2904 Ridge Cir is owned by an individual who bought it in May 2023.

Source: Navajo County records, as of June 12, 2026

Owner of Record	Individual Name on File
Mailing Address	7038 E ASTER DR, SCOTTSDALE, AZ 85254-5327
Owner Type	Individual
Vesting	Unmarried Man

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
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage V I P MORTGAGE INC
Dec 3, 2020	Warranty Deed, Transfer PIONEER TITLE COMPANY, PIONEER TITLE AGENCY
Dec 3, 2020	Quit Claim Deed, Transfer PIONEER TITLE COMPANY, PIONEER TITLE AGENCY
Dec 3, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 28, 2019	Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2023 · Amount on File
Deed Sale	May 26, 2023 · Amount on File
Prior Sale	Dec 3, 2020 · Amount on File
Deed Document Number	20236882
Prior Transfer Date	Oct 15, 2010
Prior Transfer Doc	0000000538
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	May 26, 2023
Property Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000006882
Map Reference	MB 15 PG 11-13
Instrument Date	May 16, 2023
Instrument	2023-06882
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	QUALITY TITLE COMPANY, EQUITY TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	7024 N 3RD ST, PHOENIX, AZ 85020-4901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7038 E ASTER DR, SCOTTSDALE, AZ 85254-5327

Mortgage

Document Number	0000006883
Date	May 26, 2023
Instrument	2023-06883

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340
Transaction Type	Mortgage
Record Updated	Apr 29, 2022
Title Company	SECURITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016395
Date	Oct 17, 2019
Instrument	2019-16395

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Dec 3, 2020
Property Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000024914
Instrument Date	Dec 2, 2020
Instrument	24914
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2904 RIDGE CIR PINETOP AZ 85935, PINETOP, AZ 85935

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAVAJO AZ
Recording Date	Dec 3, 2020
Property Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000024912
Instrument Date	Dec 2, 2020
Instrument	24912
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7024 N 3RD ST PHOENIX AZ 850204901, PHOENIX, AZ 85020-4901

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Dec 3, 2020
Property Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000024911
Map Reference	MB 15 PG 11-13
Instrument Date	Nov 30, 2020
Instrument	2020-24911
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	1354 E 26TH AVE, 1354, APACHE JUNCTION, AZ 85119-9220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340

Mortgage

Document Number	0000024913
Date	Dec 3, 2020
Instrument	2020-24913

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Feb 28, 2019
Property Address	2904 RIDGE CIR, OVERGAARD, AZ 85933-5340
Document Number	0000002666
Map Reference	MB 15 PG 11-13
Instrument Date	Feb 20, 2019
Instrument	2019-02666
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
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	2904 RIDGE CIR, 2904, OVERGAARD, AZ 85933-5340

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1354 E 26TH AVE, NEW CASTLE, AL 35119

Mortgage

Document Number	0000002667
Date	Feb 28, 2019
Instrument	2019-02667

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2904 Ridge Cir was $2,819.

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			$560,523 Land $90,946 Building $469,577
2025	$2,819.00	$53,454 Land $8,767 Building $44,687	$534,534 Land $87,668 Building $446,866
2023	$2,704.00

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

FEMA maps place 2904 Ridge Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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 File 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

Wildfire risk around 2904 Ridge Cir is high, ranking above 83% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 83% of the US · above 75% of Arizona
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Cir

Nearby Streets

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