Navajo County property record for 3842 E Bermuda Cir, Pinetop, AZ 85935
| Property Type | Single Family Home |
|---|---|
| Details | 1,432 sqft · built 2001 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $2,519 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Sep 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 411-68-006 |
| Primary APN | 411-68-006 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,432 sqft Living Area |
| Gross Area | 1,702 sqft |
| 1st Floor Area | 1,432 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 270 sqft |
| Deck Area | Deck Area |
| Patio Area | 501 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3842 E BERMUDA CIR |
|---|---|
| City | PINETOP |
| State | AZ |
| Zip | 85935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1-10 |
| Legal Description | PINETOP LAKES MOUNTAIN HOMES #1:LOT 6 |
| Legal Range | 23E |
| Legal Township | 08N |
| Legal Section | 11 |
| Legal Subdivision | PINETOP LAKES MOUNTAIN HOMES |
| Legal Lot Number | 6 |
| Jurisdiction | NAVAJO AZ |
| Township / Civil Division | SNOWFLAKE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 964902 |
3842 E Bermuda Cir is held in a trust since September 2021.
Source: Navajo County records, as of June 12, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10548 E NIDO AVE, MESA, AZ 85209-7842 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 31, 2023 | Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU |
| Sep 22, 2020 | Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU |
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK |
| Sep 16, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 13, 2021 |
| Transfer Doc | 0000020581 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Property Address | 3842 E BERMUDA CIR, PINETOP, AZ 85935 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000015506 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 2023-15506 |
| Name | DESERT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Property Address | 3842 E BERMUDA CIR, PINETOP, AZ 85935 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000018085 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020-18085 |
| Name | DESERT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Property Address | 3842 E BERMUDA CIR, PINETOP, AZ 85935 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Title Company | OLD REPUBLIC TITLE INSURANCE AZ, OLD REPUBLIC TITLE INS AZ |
| Name | Verified Name |
|---|---|
| Address | 10548 E NIDO AVE, MESA, AZ 85209-7842 |
| Document Number | 0000022557 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021-22557 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | WEST DES MOINES, IA 50266 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Recording Date | Sep 16, 2021 |
| Property Address | 3842 E BERMUDA CIR, PINETOP, AZ 85935 |
| Document Number | 0000020581 |
| Map Reference | MB 11 PG 5 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 2021-20581 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | PIONEER LAND TITLE, PIONEER TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3733 E OLIVE AVE, GILBERT, AZ 85234-3118 |
| Document Number | 0000020582 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021-20582 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
The 2025 property tax bill for 3842 E Bermuda Cir was $2,519.
Source: Navajo County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Arizona |
| County | Navajo County |
| Unified School District | Blue Ridge Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2027 | $378,707 Land $80,000 Building $298,707 | ||
| 2025 | $2,519.00 | $39,507 Land $6,250 Building $33,257 | $395,067 Land $62,500 Building $332,567 |
| 2023 | $2,321.00 |
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.
FEMA maps place 3842 E Bermuda Cir in Zone X, an area of minimal flood risk.
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 |
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 risk around 3842 E Bermuda Cir is high, ranking above 87% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PONDEROSA DWID public/private · serves 5,375 people · EPA ID AZ0409023 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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 413 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Smith Bagley Fixed Wireless | 100 / 100 |
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