3323 Ox Bow Bend Rd, Overgaard, AZ 85933 Property Records

Navajo County property record for 3323 Ox Bow Bend Rd, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	3,046 sqft · built 1998
Lot Size	1.01 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (May 2016)
Tax Bill	$2,184 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-11-390B`

Property Details

APN / Parcel Number

Primary APN	`206-11-390B`

Interior

Stories	2 Stories
Building Area	3,046 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	44,431 sqft

Exterior Amenities

Porch	Porch
Porch Area	972 sqft
Patio Area	160 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3323 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	SEC 21, T12N, R17E: ZANE GREY ACRES #5 LOT 395. OUT OF 206-11-390 A FOR 2016 ROLL
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	ZANE GREY ACRES #5
Legal Lot Number	395
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1929, OVERGAARD, AZ 85933-1929
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2016 · Amount on Record
Deed Sale	May 25, 2016 · Amount on Record
Deed Document Number	20166672
Last Transfer Date	Sep 25, 2020
Transfer Doc	0000001839
Record Updated	Sep 20, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAVAJO AZ
Recording Date	Jan 29, 2021
Property Address	3323 OX BOW BEND RD, OVERGAARD, AZ 85933
Document Number	0000001839
Map Reference	MB 8 PG 17-19
Instrument Date	Sep 25, 2020
Instrument	2021-01839
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE INS CO

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	Joint Tenants with Right of Survivorship
Address	3323 OXBOW BEN, OVERGAARD, AZ 85933-5277

Mortgage

Document Number	0000001840
Date	Jan 29, 2021
Instrument	2021-01840

Lender

Name	RESIDENTIAL BANCORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 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			$485,915 (+7.02%) Land $56,052 Building $429,863
2025	$2,184.00 (+4.4%)	$45,404 Land $5,403 Building $40,001	$454,040 Land $54,032 Building $400,008
2023	$2,092.00

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 82% of the US · above 73% 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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