3322 Whispering Pine Dr, Overgaard, AZ 85933 Property Records

Navajo County property record for 3322 Whispering Pine Dr, Overgaard, AZ 85933 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	1,239 sqft · built 1987
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$195,900 (Dec 2019)
Tax Bill	$1,404 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206-12-056`

Property Details

APN / Parcel Number

Primary APN	`206-12-056`

Interior

Stories	1 Story
Building Area	1,239 sqft Living Area
Gross Area	1,526 sqft
1st Floor Area	1,239 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	287 sqft
Deck Area	Deck Area
Patio Area	407 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	3322 WHISPERING PINE DR
City	OVERGAARD
State	AZ
Zip	85933-5454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERLAKE PINES PINEWOODS UNIT #2 LOT 96
Legal Range	17E
Legal Township	12N
Legal Section	19
Legal Subdivision	TIMBERLAKE PINES PINEWOODS UNIT #2
Legal Lot Number	96
Legal Unit	2
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2003
Census Tract	964201

Owner

Source: Navajo County records · APN 206-12-056

Assessment roll updated June 12, 2026 · Last verified June 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 File
Mailing Address	PO BOX 173, OURAY, CO 81427-0173
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL INC
Dec 18, 2019	Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
Sep 15, 2017	Warranty Deed, Transfer · ARM AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 18, 2019 · Amount on Record
Deed Sale	Dec 18, 2019 · Amount on Record
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	201920548
Prior Transfer Date	Nov 12, 2019
Prior Transfer Doc	0000020548
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3322 WHISPERING PINE DR, OVERGAARD, AZ 85933-5454
Transaction Type	Mortgage
Record Updated	Aug 03, 2021
Title Company	PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010082
Date	Jun 25, 2018
Instrument	2018-10082

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company
Address	GILBERT, AZ 85297

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2048

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Dec 18, 2019
Property Address	3322 WHISPERING PINE DR, OVERGAARD, AZ 85933-5454
Document Number	0000020548
Map Reference	MB 10 PG 6
Instrument Date	Nov 12, 2019
Instrument	2019-20548
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	LAWYERS TITLE HEBER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4053 W HACKAMORE DR, 4053, PHOENIX, AZ 85083-2470

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 173, OURAY, CO 81427-0173

Mortgage

Document Number	0000020549
Date	Dec 18, 2019
Instrument	2019-20549

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Sep 15, 2017
Property Address	3322 WHISPERING PINE DR, OVERGAARD, AZ 85933-5454
Document Number	0000014191
Map Reference	MB10 PG6
Instrument Date	Sep 11, 2017
Instrument	2017-14191
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	3915 E MERCER LN, 3915, PHOENIX, AZ 85028-3437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4053 W HACKAMORE DR, PHOENIX, AZ 85083-2470

Mortgage

Document Number	0000014192
Date	Sep 15, 2017
Instrument	2017-14192

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Oct 01, 2022
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Margin	4
Max Rate	11.6%

Tax Assessment & Valuation

Source: Navajo County records · Assessment roll updated June 12, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Navajo County
Unified School District	Heber-Overgaard Unified District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2027			$263,243 (+7.01%) Land $23,535 Building $239,708
2025	$1,404.00 (+4.23%)	$24,600 Land $2,348 Building $22,252	$246,004 Land $23,481 Building $222,523
2023	$1,347.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Navajo County (04017C), updated February 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 040179642012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	High above 81% of the US · above 72% of Arizona
Wildfire Likelihood	About 1 in 181 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 300 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	DSL	115 / 7
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Conexon Connect, Cable One, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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