3322 Ox Bow Bend Rd, Overgaard, AZ 85933 Property Records

Navajo County property record for 3322 Ox Bow Bend Rd, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	2,472 sqft · built 1984
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$427,500 (Oct 2022)
Tax Bill	$1,329 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`206-11-408`

Property Details

APN / Parcel Number

Primary APN	`206-11-408`

Interior

Stories	2 Stories
Building Area	2,472 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	53,579 sqft
Deck Area	Deck Area
Patio Area	328 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3322 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 413
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	ZANE GREY ACRES #5
Legal Lot Number	413
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1733 E ASPEN WAY, GILBERT, AZ 85234-8119
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Warranty Deed, Transfer · USDA Mortgage V I P MORTGAGE INC
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 1, 2021	Intrafamily Transfer, Transfer SURETY TITLE AGENCY INC, SECURITY TITLE AGENCY INC
Jun 19, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jun 19, 2020	Quit Claim Deed, Transfer SECURITY TITLE COMPANY, SECURITY TITLE AGENCY
May 22, 2017	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	Jun 19, 2020 · Amount on Record
Deed Document Number	202219472
Prior Transfer Date	Dec 7, 2020
Prior Transfer Doc	0000006841
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Oct 14, 2022
Property Address	3322 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000019472
Map Reference	MB 8 PG 17-19
Instrument Date	Oct 10, 2022
Instrument	2022-19472
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	SURETY TITLE AGENCY INC, SECURITY 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	11248 E STARFIRE AVE, 11248, MESA, AZ 85212-7015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1733 E ASPEN WAY, GILBERT, AZ 85234-8119

Mortgage

Document Number	0000019473
Date	Oct 14, 2022
Instrument	2022-19473

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Change Frequency	5 Years

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3322 OX BOW BEND RD, OVERGAARD, AZ 85933
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11248 E STARFIRE AVE, MESA, AZ 85212-7015

Mortgage

Document Number	0000018918
Date	Aug 25, 2021
Instrument	2021-18918

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAVAJO AZ
Recording Date	Apr 1, 2021
Property Address	3322 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000006841
Map Reference	MB 8 PG 17,18&19
Instrument Date	Dec 7, 2020
Instrument	2021-06841
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	SURETY TITLE AGENCY INC, SECURITY TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	11248 E STARFERE AVE, OVERGAARD, AZ 85933

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jun 19, 2020
Property Address	3322 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000009974
Map Reference	MB 8 PG 17-19
Instrument Date	May 21, 2020
Instrument	2020-09974
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	SECURITY 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	9598 W FRANK AVE, 9598, PEORIA, AZ 85382-5393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11248 E STARFIRE AVE, MESA, AZ 85212-7015

Mortgage

Document Number	0000009976
Date	Jun 19, 2020
Instrument	2020-09976

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jun 19, 2020
Property Address	3322 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000009975
Instrument Date	May 21, 2020
Instrument	9975
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	SECURITY TITLE COMPANY, SECURITY 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	11248 E STARFIRE AVE OVERGAARD AZ 85933, OVERGAARD, AZ 85933

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	May 22, 2017
Property Address	3322 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000007258
Instrument Date	Apr 4, 2017
Instrument	7258
Transaction Type	Transfer
Record Updated	Jun 5, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	22432 N 104TH AVE PEORIA AZ 853832673, PEORIA, AZ 85383-2673

Mortgage

Document Number	7260
Date	May 22, 2017
Instrument	7260

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	May 21, 2032

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			$275,809 (-0.17%) Land $61,552 Building $214,257
2025	$1,329.00 (+5.14%)	$27,627 Land $5,933 Building $21,694	$276,270 Land $59,334 Building $216,936
2023	$1,264.00

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 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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