Coconino County property record for 3493 Bear Howard, Flagstaff, AZ 86005
| Property Type | Single Family Home |
|---|---|
| Details | 4.75 ba · 3,900 sqft · built 1996 |
| Lot Size | 0.423 acres (18,425 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $695,000 (Dec 2015) |
| Tax Bill | $6,887 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 116-39-025 |
| Primary APN | 116-39-025 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.75 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,900 sqft Living Area |
| 1st Floor Area | 1,808 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Material | Wood |
| Lot Area | 18,425 sqft (0.423 acres) |
| Garage Type | Attached |
| Garage Area | 218 sqft |
| Porch | Metal Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | Deck Area |
| Patio Area | 579 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R0044885 |
|---|---|
| Street Address | 3493 BEAR HOWARD |
| City | FLAGSTAFF |
| State | AZ |
| Zip | 86005-4308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: FOREST HIGHLANDS UNIT 02 LOT: 153 SIXTEENTH: NW QUARTER: NE SECTION: 19 TOWNSHIP: 20N RANGE: 07E SIXTEENTH: NE QUARTER: NW SECTION: 19 TOWNSHIP: 20N RANGE: 07E |
| Legal Subdivision | FOREST HIGHLANDS UNIT 02 |
| Legal Lot Number | 153 |
| Jurisdiction | COCONINO AZ |
| Township / Civil Division | FLAGSTAFF |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2202 |
Source: Coconino County records, as of June 29, 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 | 2201 E SAN JUAN AVE, PHOENIX, AZ 85016-3135 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jan 3, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFIRST BANK |
| Feb 21, 2018 | Deed of Trust, Mortgage · Commercial Mortgage MIDFIRST BANK |
| Feb 13, 2020 | Deed of Trust, Mortgage · Line of Credit MIDFIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2015 · Amount on Record |
| Deed Sale | Dec 18, 2015 · Amount on Record |
| Prior Sale | May 19, 2006 · Amount on Record |
| Deed Document Number | 20153740467 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COCONINO AZ |
| Property Address | 3493 BEAR HOWARD, FLAGSTAFF, AZ 86005-4308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 5302 E CALLE DEL MEDIO, PHOENIX, AZ 85018-4420 |
| Document Number | 0003939074 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 3939074 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73162 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Dec 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COCONINO AZ |
| Property Address | 3493 BEAR HOWARD, FLAGSTAFF, AZ 86005-4308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE SVCS AGENCY L |
| Name | Verified Name |
|---|
| Document Number | 0003808861 |
|---|---|
| Date | Feb 21, 2018 |
| Instrument | 3808861 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73162 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 20, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COCONINO AZ |
| Property Address | 3493 BEAR HOWARD, FLAGSTAFF, AZ 86005-4308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE SVCS AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0003865359 |
|---|---|
| Date | Feb 13, 2020 |
| Instrument | 3865359 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73162 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 12, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Coconino County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Coconino County |
| Unified School District | Flagstaff Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $148,711 (+9.94%) Land $31,160 Building $117,551 | ||
| 2025 | $6,887.00 (+12.77%) | $135,266 (+10.32%) | $1,352,654 (+10.32%) Land $266,119 Building $1,086,535 |
| 2024 | $122,611 Land $23,194 Building $99,417 | ||
| 2023 | $6,107.00 | $1,226,109 Land $231,937 Building $994,172 |
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.
Source: FEMA National Flood Hazard Layer, effective October 6, 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 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 76% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FOREST HIGHLANDS WATER COMPANY private · serves 1,681 people · EPA ID AZ0403073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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