3314 Ox Bow Bend Rd, Overgaard, AZ 85933 Property Records

Navajo County property record for 3314 Ox Bow Bend Rd, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	912 sqft · built 1966
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jun 2020)
Tax Bill	$980 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206-11-405`

Property Details

APN / Parcel Number

Primary APN	`206-11-405`

Interior

Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Metal
Lot Area	44,867 sqft
Garage Type	Detached
Garage Area	960 sqft
Deck Area	Deck Area
Patio Area	564 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	3314 OX BOW BEND RD
City	OVERGAARD
State	AZ
Zip	85933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-10
Legal Description	ZANE GREY ACRES #5:LOT 410
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	ZANE GREY ACRES #5
Legal Lot Number	410
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2017
Census Tract	963700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3314 OX BOW BEND RD, OVERGAARD, AZ 85933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Mar 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Deed Document Number	20209462
Prior Transfer Date	Nov 12, 2007
Prior Transfer Doc	0000030694
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3314 OX BOW BEND RD, OVERGAARD, AZ 85933
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004374
Date	Apr 7, 2023
Instrument	2023-04374

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3314 OX BOW BEND RD, OVERGAARD, AZ 85933
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005085
Date	Mar 11, 2021
Instrument	2021-05085

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jun 11, 2020
Property Address	3314 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000009462
Map Reference	MB 8 PG 17-19
Instrument Date	Jun 3, 2020
Instrument	2020-09462
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	PO BOX 1622, OVERGAARD, AZ 85933-1622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 OXBOW BEN, OVERGAARD, AZ 85933-5277

Mortgage

Document Number	0000009463
Date	Jun 11, 2020
Instrument	2020-09463

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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			$193,932 (-1.19%) Land $56,326 Building $137,606
2025	$980.00 (+4.48%)	$19,627 Land $5,430 Building $14,197	$196,267 Land $54,297 Building $141,970
2023	$938.00

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	High above 71% of the US · above 59% 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

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

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