3423 Tonto Dr, Overgaard, AZ 85933 Property Records

Navajo County property record for 3423 Tonto Dr, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	1,520 sqft · built 2006
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Aug 2026)
Tax Bill	$2,447 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206-10-001N`

Property Details

APN / Parcel Number

Primary APN	`206-10-001N`

Interior

Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,520 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	46,174 sqft
Garage Type	Detached
Garage Area	959 sqft
Deck Area	Deck Area
Patio Area	476 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3423 TONTO DR
City	OVERGAARD
State	AZ
Zip	85933-5425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-43
Legal Description	SECTION 21,T12N,R17E:PARCEL 1, PER SURVEY 55-8. AKA:COM NW COR E2NE4 SEC 21; TH S8958'26 W 247.33' TPOB; TH S8958'26 W 381.83';TH S3353'49 E 166.21'; TH N8958'26 E 289.23'; TH N00*02'19 W 138.00' TPOB. OUT OF 206-10-001K FOR2007ROLL
Legal Range	17E
Legal Township	12N
Legal Section	21
Legal Subdivision	HES #460
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1349
Census Tract	964202

Owner

3423 Tonto Dr is owned by two individuals who bought it in August 2026.

Source: Navajo County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12860 N 74TH LN, PEORIA, AZ 85381-5395
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Mar 6, 2012 · Amount on File
Deed Document Number	202612909
Prior Transfer Date	Mar 28, 2014
Prior Transfer Doc	0000004355
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Aug 28, 2026
Property Address	3423 TONTO DR, OVERGAARD, AZ 85933-5425
Document Number	0000012909
Instrument Date	Aug 4, 2026
Instrument	202612909
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	12860 N 74TH LN, PEORIA, AZ 85381-5395

Mortgage

Document Number	0000012910,
Date	Aug 28, 2026
Instrument	202612910

Lender

Name	LENNAR MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3423 Tonto Dr was $2,447.

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			$422,291 Land $57,141 Building $365,150
2025	$2,447.00	$39,281 Land $5,508 Building $33,773	$392,812 Land $55,082 Building $337,730
2023	$2,348.00

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

FEMA maps place 3423 Tonto Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2000 · river or lake flooding

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

Wildfire risk around 3423 Tonto Dr is high, ranking above 81% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 81% of the US · above 71% of Arizona
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Nearby Properties on Tonto Dr

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