3156 Trail's End, Overgaard, AZ 85933 Property Records

Navajo County property record for 3156 Trail's End, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	2,352 sqft · built 2006
Lot Size	1.01 acres (44,431 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,588 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-11-365`

Property Details

APN / Parcel Number

Primary APN	`206-11-365`

Interior

Stories	1 Story
Building Area	2,352 sqft Living Area
Gross Area	2,832 sqft
1st Floor Area	2,352 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	44,431 sqft
Garage Type	Attached
Garage Area	480 sqft
Deck Area	Deck Area
Patio Area	461 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3156 TRAILS END
City	OVERGAARD
State	AZ
Zip	85933-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-10
Legal Description	ZANE GREY ACRES #5 LOT 370
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	ZANE GREY ACRES #5
Legal Lot Number	370
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2006
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	3912 SELMAN CT, CARLSBAD, NM 88220-6079
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Sep 7, 2018	Deed of Trust, Mortgage REVERSE MTG FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 6, 2025
Transfer Doc	0000008010
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3156 TRAILS END, OVERGAARD, AZ 85933-5433
Document Number	0000015050
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 TRAIL END OVERGAARD AZ 85933, OVERGAARD, AZ 85933

Mortgage

Document Number	0000015050
Date	Sep 14, 2018
Instrument	15050

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Sep 13, 2096

Interest

Rate Type	Adjustable Rate
Rate	5.96%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3156 TRAILS END, OVERGAARD, AZ 85933-5433
Document Number	0000015049
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 TRAIL END OVERGAARD AZ 85933, OVERGAARD, AZ 85933

Mortgage

Document Number	0000015049
Date	Sep 14, 2018
Instrument	15049

Lender

Name	REVERSE MTG FNDG
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Amount	Amount Recorded
Term	936 Months
Due	Sep 13, 2096

Interest

Rate Type	Adjustable Rate
Rate	5.96%

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			$526,578 (+7.72%) Land $56,052 Building $470,526
2025	$2,588.00 (+4.4%)	$48,884 Land $5,403 Building $43,481	$488,837 Land $54,032 Building $434,805
2023	$2,479.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	High above 75% of the US · above 64% of Arizona
Wildfire Likelihood	0.2% 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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber · Fixed Wireless in parts of the area	2,000 / 2,000

May also be available: Sparklight, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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