3385 Panorama Dr, Overgaard, AZ 85933 Property Records

Navajo County property record for 3385 Panorama Dr, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	1,608 sqft · built 1996
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,462 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-12-037`

Property Details

APN / Parcel Number

Primary APN	`206-12-037`

Interior

Stories	1 Story
Building Area	1,608 sqft Living Area
Gross Area	1,908 sqft
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	300 sqft
Deck Area	Deck Area
Patio Area	758 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	3385 PANORAMA DR
City	OVERGAARD
State	AZ
Zip	85933-5282
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-10
Legal Description	TIMBERLAKE PINES PINEWOODS UNIT #2 LOT 77
Legal Range	17E
Legal Township	12N
Legal Section	19
Legal Subdivision	TIMBERLAKE PINES PINEWOODS UNIT #2
Legal Lot Number	77
Legal Unit	2
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1014
Census Tract	964201

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 395, OVERGAARD, AZ 85933-0395
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage ONEAZ CU
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage ONEAZ CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 10, 2009
Transfer Doc	0000012769
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3385 PANORAMA DR, OVERGAARD, AZ 85933-5282
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3385 PANORAMA DR, OVERGAARD, AZ 85933-5282

Mortgage

Document Number	0000017359
Date	Nov 21, 2025
Instrument	2025-17359

Lender

Name	ONEAZ CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Index	6-Month CD Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3385 PANORAMA DR, OVERGAARD, AZ 85933-5282
Document Number	0000000189
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3385 PANORAMA DR OVERGAARD AZ 85933, OVERGAARD, AZ 85933

Mortgage

Document Number	0000000189
Date	Jan 6, 2020
Instrument	189

Lender

Name	ONEAZ CU
Address	PHOENIX, AZ 85027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2035

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			$298,073 (+7.2%) Land $23,535 Building $274,538
2025	$1,462.00 (+4.35%)	$27,806 Land $2,348 Building $25,458	$278,060 Land $23,481 Building $254,579
2023	$1,401.00

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2002–2008)
Most Recent Claim	Sep 2008 · 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 72% of Arizona
Wildfire Likelihood	0.5% 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: Conexon Connect, Sparklight, Verizon.

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