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  5. Concho Ocho Rd

3868 Concho Ocho Rd, Snowflake, AZ 85937 Property Records

Navajo County property record for 3868 Concho Ocho Rd, Snowflake, AZ 85937

Property Summary

Property TypeSingle Family Home
Details3,952 sqft · built 2011
Lot Size40.9 acres (1,782,475 sqft)
Owner2 Individual Names on File
Last Sale$325,000 (Mar 2017)
Tax Bill$1,253 (2025)
Deeds & MortgagesSep 2023 Transfer
Aug 2018 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN403-46-009

Property Details

APN / Parcel Number

Primary APN403-46-009
Alternative APN
  • 20346009

Interior

Stories1 Story
Building Area3,952 sqft Living Area
1st Floor Area3,106 sqft

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Exterior MaterialWood
Construction TypeWood
Roof MaterialMetal
Lot Area1,782,475 sqft (40.9 acres)

Exterior Amenities

PorchSlab
Porch Area476 sqft
Deck AreaDeck Area
Patio Area424 sqft
Total Buildings4 Buildings

Utilities, Heating & Cooling

Cooling SystemRefrigeration
Heating SystemRadiant

Location & Zoning

Street Address3868 CONCHO OCHO RD
CitySNOWFLAKE
StateAZ
Zip85937-5824
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU-20
Legal DescriptionSECTION 30,T13N,R23E:NE4 SE4AKA:TRACT 16
Legal Range23E
Legal Township13N
Legal Section30
Legal Tract16
Legal Lot Number16
JurisdictionNAVAJO AZ
Township / Civil DivisionSNOWFLAKE
Census Block Group1
Census Block1098
Census Tract963400

Owner

Source: Navajo County records · APN 403-46-009

Assessment roll updated June 12, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3868 CONCHO OCHO RD, SNOWFLAKE, AZ 85937-5824
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2023Intrafamily Transfer, Transfer
PEOPLES TITLES INC, PIONEER TITLE AGENCY INC
Aug 21, 2018Loan Modification, Mortgage · Conventional Mortgage
MARIA HEREDIA
Mar 01, 2017Warranty Deed, Transfer · Conventional with PMI
MARIA HEREDIA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 01, 2017 · Amount on Record
Deed SaleMar 01, 2017 · Amount on Record
Prior SaleAug 25, 2009
Deed Document Number20172779
Prior Transfer DateMay 01, 2009
Prior Transfer Doc0000008190
Record UpdatedSep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionNAVAJO AZ
Recording DateSep 15, 2023
Property Address3868 CONCHO OCHO RD, SNOWFLAKE, AZ 85937-5824
Document Number0000012803
Instrument DateSep 14, 2023
Instrument2023-12803
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyPEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3868 CONCHO OCHO RD, SNOWFLAKE, AZ 85937-5824

August 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionNAVAJO AZ
Property Address3868 CONCHO OCHO RD, SNOWFLAKE, AZ 85937-5824
Document Number0000014455
Instrument DateAug 21, 2018
Transaction TypeMortgage
Record UpdatedSep 14, 2018
Title CompanyPIONEER TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3868 CONCHO OCHO RD SNOWFLAKE AZ 859375824, SNOWFLAKE, AZ 85937-5824

Mortgage

Document Number0000014455
DateSep 05, 2018
Instrument14455
Lender
NameMARIA HEREDIA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueSep 04, 2028
Interest
Rate4%

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNAVAJO AZ
Recording DateMar 01, 2017
Property Address3868 CONCHO OCHO RD, SNOWFLAKE, AZ 85937-5824
Document Number0000002779
Instrument DateFeb 06, 2017
Instrument2779
Transaction TypeTransfer
Record UpdatedMar 15, 2017
Title CompanyPIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$325.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 W AIRPORT RD SPRINGERVILLE AZ 859385011, SPRINGERVILLE, AZ 85938-5011

Mortgage

Document Number2780
DateMar 01, 2017
Instrument2780
Lender
NameMARIA HEREDIA
AddressPO BOX 905, MISSION, TX 78573-0015
Special NotesSeller Financed
Agreement
TypeConventional with PMI
AmountAmount Recorded

Tax Assessment & Valuation

Source: Navajo County records · Assessment roll updated June 12, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateArizona
CountyNavajo County
Unified School DistrictSnowflake Unified District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2027$531,905 (+5.25%) Land $35,811 Building $496,094
2025$1,253.00 (+6.1%)$50,538 (+9.43%) Land $3,119 Building $47,419$505,377 (+9.42%) Land $31,191 Building $474,186
2024$46,185 Land $2,934 Building $43,251$461,848 Land $29,342 Building $432,506
2023$1,181.00 (-5.37%)
2022$1,248.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 14 policies
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims2 (2006–2007)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 2007 · river or lake flooding

Wildfire

Wildfire RiskModerate
above 42% of the US · lower than 65% of Arizona
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
Smith Bagley
Fixed Wireless		100 / 100

Based on FCC filings for 2 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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