3391 Panorama Dr, Overgaard, AZ 85933 Property Records

Navajo County property record for 3391 Panorama Dr, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	1,316 sqft · built 1988
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$333,000 (Aug 2025)
Tax Bill	$1,166 (2025)
Deeds & Mortgages	Feb 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-12-036`

Property Details

APN / Parcel Number

Primary APN	`206-12-036`

Interior

Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	896 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Logs
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Deck Area	Deck Area
Patio Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	3391 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 76
Legal Range	17E
Legal Township	12N
Legal Section	19
Legal Subdivision	TIMBERLAKE PINES PINEWOODS UNIT #2
Legal Lot Number	76
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	18021 W NORTHERN AVE, WADDELL, AZ 85355-9718
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 28, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	202512242
Prior Transfer Date	Jun 14, 2013
Prior Transfer Doc	0000016083
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3391 PANORAMA DR, OVERGAARD, AZ 85933-5282
Document Number	0000001876
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3391 PANORAMA DR PINETOP AZ 85935, PINETOP, AZ 85935

Mortgage

Document Number	0000001876
Date	Feb 6, 2020
Instrument	1876

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Feb 5, 2047

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	May 28, 2019
Property Address	3391 PANORAMA DR, OVERGAARD, AZ 85933-5282
Document Number	0000007507
Instrument Date	Apr 18, 2019
Instrument	7507
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	PO BOX 588 OVERGAARD AZ 859330588, OVERGAARD, AZ 85933-0588

Mortgage

Document Number	7508
Date	May 28, 2019
Instrument	7508

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2049

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			$210,483 (+3.18%) Land $23,535 Building $186,948
2025	$1,166.00 (+4.39%)	$20,399 Land $2,348 Building $18,051	$203,989 Land $23,481 Building $180,508
2023	$1,117.00

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
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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