3315 Ox Bow Bend Rd, Overgaard, AZ 85933 Property Records

Navajo County property record for 3315 Ox Bow Bend Rd, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	1,206 sqft · built 2014
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$50,350 (Apr 2014)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-11-386`

Property Details

APN / Parcel Number

Primary APN	`206-11-386`

Interior

Stories	1 Story
Building Area	1,206 sqft Living Area
Gross Area	1,892 sqft
1st Floor Area	1,206 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	43,996 sqft
Garage Type	Attached
Garage Area	686 sqft
Deck Area	Deck Area
Patio Area	788 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	3315 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 391
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	ZANE GREY ACRES #5
Legal Lot Number	391
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2014
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	2 Individual Names on File
Mailing Address	PO BOX 2546, OVERGAARD, AZ 85933-2546
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 5, 2017	Deed of Trust, Mortgage · FHA Mortgage HIGHTECHLENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2014 · Amount on File
Deed Sale	Apr 14, 2014 · Amount on File
Deed Document Number	20144633
Last Transfer Date	Apr 16, 2014
Transfer Doc	0000004865
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3315 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000019154
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3315 OX BOW BND OVERGAARD AZ 85933, OVERGAARD, AZ 85933

Mortgage

Document Number	0000019154
Date	Dec 12, 2017
Instrument	19154

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months
Due	Dec 11, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.83%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3315 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000019153
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3315 OX BOW BND OVERGAARD AZ 85933, OVERGAARD, AZ 85933

Mortgage

Document Number	0000019153
Date	Dec 12, 2017
Instrument	19153

Lender

Name	HIGHTECHLENDING
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months
Due	Dec 11, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.83%

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			$363,190 (+7.43%) Land $55,777 Building $307,413
2025	$1,944.00 (+4.4%)	$33,806 Land $5,377 Building $28,429	$338,056 Land $53,767 Building $284,289
2023	$1,862.00

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 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

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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