3438 Oak St, Heber, AZ 85928 Property Records

Navajo County property record for 3438 Oak St, Heber, AZ 85928

Property Summary

Property Type	Single Family Home
Details	1,816 sqft · built 2006
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$327,000 (Jul 2023)
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Jul 2023 Sale Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`207-14-066A`

Property Details

APN / Parcel Number

Primary APN	`207-14-066A`

Interior

Stories	1 Story
Building Area	1,816 sqft Living Area
Gross Area	2,311 sqft
1st Floor Area	1,816 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	495 sqft
Porch	Open Slab
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3438 OAK ST
City	HEBER
State	AZ
Zip	85928-5931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-R
Legal Description	SECTION 13, T21, R16E: HEBER HOMES LOTS 71 & 73 COMB 20714-066 & 068 TO 066A FOR2006
Legal Range	16E
Legal Township	12N
Legal Section	13
Legal Subdivision	HEBER HOMES
Legal Lot Number	71,73
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1017
Census Tract	964202

Owner

3438 Oak St is owned by two individuals who bought it in July 2023.

Source: Navajo County records, as of June 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 881, HEBER, AZ 85928-0881
Owner Type	Individual
Vesting	Surviving Spouse

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

Date	Document
Jul 27, 2023	Warranty Deed, Transfer PEOPLES TITLES INC, PIONEER TITLE AGENCY INC
Jun 13, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Jun 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 29, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on File
Deed Sale	Jul 27, 2023 · Amount on File
Prior Sale	Oct 29, 2020 · Amount on File
Deed Document Number	20239931
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jul 27, 2023
Property Address	3438 OAK ST, HEBER, AZ 85928-5931
Document Number	0000009931
Map Reference	MB 12 PG 16
Instrument Date	Jul 25, 2023
Instrument	2023-09931
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 148, HEBER, AZ 85928-0148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 881, HEBER, AZ 85928-0881

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3438 OAK ST, HEBER, AZ 85928-5931
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3438 OAK ST, HEBER, AZ 85928-5931

Mortgage

Document Number	0000007688
Date	Jun 13, 2023
Instrument	2023-07688

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3438 OAK ST, HEBER, AZ 85928-5931
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3438 OAK ST, HEBER, AZ 85928-5931

Mortgage

Document Number	0000011476
Date	Jun 10, 2022
Instrument	2022-11476

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Oct 29, 2020
Property Address	3438 OAK ST, HEBER, AZ 85928-5931
Document Number	0000021906
Map Reference	MB 4 PG 29 & MB 12
Instrument Date	Oct 26, 2020
Instrument	2020-21906
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 392, HEBER, AZ 85928-0392

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 148, HEBER, AZ 85928-0148

Mortgage

Document Number	0000021907
Date	Oct 29, 2020
Instrument	2020-21907

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3438 Oak St was $1,330.

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			$303,353 Land $19,794 Building $283,559
2025	$1,330.00	$25,055 (+5.1%) Land $1,322 Building $23,733	$250,558 (+5.1%) Land $13,224 Building $237,334
2024		$23,839 Land $2,225 Building $21,614	$238,393 Land $22,250 Building $216,143
2023	$1,274.00 (+5.55%)
2022	$1,207.00

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 3438 Oak St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 3438 Oak St is high, ranking above 89% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 89% of the US · above 83% of Arizona
Wildfire Likelihood	0.9% 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	HEBER DWID private · serves 839 people · EPA ID AZ0409014
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Aug 2024
Monitoring and Reporting	7 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 84 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
Sparklight Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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