3398 Tonto Dr, Overgaard, AZ 85933 Property Records

Navajo County property record for 3398 Tonto Dr, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	4,816 sqft · built 1979
Lot Size	4 acres (174,240 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,878 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-14-002`

Property Details

APN / Parcel Number

Primary APN	`206-14-002`

Interior

Stories	2 Stories
Building Area	4,816 sqft Living Area
1st Floor Area	2,760 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Metal
Lot Area	174,240 sqft
Garage Type	Detached
Garage Area	950 sqft

Exterior Amenities

Porch	Open Slab
Porch Area	336 sqft
Deck Area	Deck Area
Patio Area	968 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3398 TONTO DR
City	OVERGAARD
State	AZ
Zip	85933-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-43
Legal Description	BIGLER HOMESTEADS LOT 2 XGR-2
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	BIGLER HOMES
Legal Lot Number	2
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	2
Census Block	2000
Census Tract	963700

Owner

Source: Navajo County records, as of August 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 1358, OVERGAARD, AZ 85933-1358
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 6, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 27, 2023
Transfer Doc	0000014009
Record Updated	Sep 20, 2026

July 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jul 29, 2026
Property Address	3398 TONTO DR, OVERGAARD, AZ 85933-5424
Document Number	0000011227
Instrument Date	Jul 29, 2026
Instrument	202611227
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAVAJO AZ
Recording Date	Oct 6, 2023
Property Address	3398 TONTO DR, OVERGAARD, AZ 85933-5424
Document Number	0000014009
Map Reference	MB 10 PG 8
Instrument Date	Sep 27, 2023
Instrument	2023-14009
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3398 TONTO DR, OVERGAARD, AZ 85933-5424

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3398 TONTO DR, OVERGAARD, AZ 85933-5424

Mortgage

Document Number	0000014010
Date	Oct 6, 2023
Instrument	2023-14010

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	917 Months
Due	Mar 22, 2100

Interest

Rate Type	Adjustable Rate
Rate	8.08%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	13%

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			$502,238 (+452.21%) Land $94,350 Building $407,888
2025	$1,878.00 (-4.09%)	$16,371 (-1.43%) Land $16,371	$90,950 (-1.42%) Land $90,950
2024		$16,608 Land $16,608	$92,264 Land $92,264
2023	$1,958.00 (-0.31%) Disabled Person's exemption
2022	$1,964.00

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
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 79% of the US · above 69% of Arizona
Wildfire Likelihood	0.3% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Conexon Connect.

Cell Coverage

5G (outdoors only) and 4G LTE

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