3485 Gibson Ln, Overgaard, AZ 85933 Property Records

Navajo County property record for 3485 Gibson Ln, Overgaard, AZ 85933

Property Summary

Property Type	Single Family Home
Details	3,616 sqft · built 2002
Lot Size	12 acres (525,334 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,770 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206-01-003P`

Property Details

APN / Parcel Number

Primary APN	`206-01-003P`

Interior

Stories	2 Stories
Building Area	3,616 sqft Living Area
Gross Area	4,396 sqft
1st Floor Area	2,780 sqft
Basement Area	836 sqft
Finished Basement	836 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	525,334 sqft
Garage Type	Attached
Garage Area	780 sqft
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3485 GIBSON LN
City	HEBER
State	AZ
Zip	85928-0016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-GENERAL
Legal Description	SEC 13, T12N, R17E: PORT PARCEL C, PER SURVEY 2015-15763; COM CO R #3 HES; TH S89DEG4115E 199.81 TPOB; TH N79DEG2010E 864.47 ; TH N11DEG1903E 455.69; TH N82DEG0424W 918.35; TH S10DEG52 52W 136.94; TH S00DEG5203W 291.01; TH S00DEG0935E 307.99 TPOB. AK
Legal Range	17E
Legal Township	12N
Legal Section	13
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1089
Census Tract	964202

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 489, HEBER, AZ 85928-0489
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CREDIT UNION WEST
Sep 24, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3485 GIBSON LN, OVERGAARD, AZ 85933
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018031
Date	Aug 13, 2021
Instrument	2021-18031

Lender

Name	CREDIT UNION WEST
Type	Credit Union
Address	8531

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 25, 2028

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3485 GIBSON LN, OVERGAARD, AZ 85933
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015489
Date	Sep 24, 2018
Instrument	2018-15489

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVAJO AZ
Property Address	3485 GIBSON LN, OVERGAARD, AZ 85933
Document Number	0000009416
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	SOLIDIFI TITLE AGENCY LIMITED, SOLIDIFI TITLE AGCY LTD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3485 GIBSON LN HEBER AZ 859280016, HEBER, AZ 85928-0016

Mortgage

Document Number	0000009416
Date	Jun 11, 2020
Instrument	9416

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 10, 2030

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			$923,504 (+13.96%) Land $135,911 Building $787,593
2025	$3,770.00 (+5.07%)	$81,040 Land $11,580 Building $69,460	$810,397 Land $115,797 Building $694,600
2023	$3,588.00

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	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

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

Wildfire Risk	High above 88% of the US · above 81% of Arizona
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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