389 Cherokee, Flagstaff, AZ 86005 Property Records

Coconino County property record for 389 Cherokee, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	1 ba · 648 sqft · built 1992
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Oct 2017)
Tax Bill	$1,420 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2021 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`115-09-110`

Property Details

APN / Parcel Number

Primary APN	`115-09-110`
Alternative APN	`R0017952`

Interior

Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	648 sqft Living Area
1st Floor Area	648 sqft

Exterior

Year Built	Built 1992
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	5,227 sqft (0.119 acres)
Patio Area	45 sqft

Location & Zoning

Account Number	R0017952
Street Address	389 CHEROKEE
City	FLAGSTAFF
State	AZ
Zip	86005-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: MOUNTAINAIRE UNIT 03 LOT: 562 SIXTEENTH: NW QUARTER: SE SECTION: 28 TOWNSHIP: 20N RANGE: 07E
Legal Range	07E
Legal Township	20N
Legal Section	28
Legal Subdivision	MOUNTAINAIRE UNIT 03
Legal Lot Number	562
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1021
Census Tract	1500

Owner

389 Cherokee is owned and occupied by an individual who bought it in October 2017.

Source: Coconino County records, as of November 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Occupancy	Owner Occupied
Owner Type	Individual

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
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 28, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ONEAZ CU
Feb 3, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage ARIZONA CTRL CU
Oct 26, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Jun 24, 2009
Deed Document Number	3799671
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539

Mortgage

Document Number	0003949693
Date	May 4, 2022
Instrument	3949693

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003917047
Date	May 28, 2021
Instrument	3917047

Lender

Name	ONEAZ CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003864368
Date	Feb 3, 2020
Instrument	3864368

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003895806
Date	Nov 20, 2020
Instrument	3895806

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Document Number	0003830636
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1355 CHERRINGTON PKWY MOON TOWNSHIP PA 151084355, MOON TOWNSHIP, PA 15108-4355

Mortgage

Document Number	0003830636
Date	Nov 28, 2018
Instrument	3830636

Lender

Name	ARIZONA CTRL CU
Type	Credit Union
Address	PHOENIX, AZ 85004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 27, 2038

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Oct 26, 2017
Property Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539
Document Number	0003799671
Map Reference	CASE1 MAP148
Instrument Date	Sep 26, 2017
Instrument	3799671
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	LAWYERS TITLE OF ARIZONA 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	757 MONIQUE, 757, CEDAR HILL, TX 75104-1739

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	389 CHEROKEE, FLAGSTAFF, AZ 86005-9539

Mortgage

Document Number	0003799672
Date	Oct 26, 2017
Instrument	3799672

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 389 Cherokee was $1,420 with a homeowner's exemption.

Source: Coconino County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,527 Land $11,475 Building $18,052
2025	$1,420.00 Homeowner's exemption		$295,265 Land $114,750 Building $180,515
2024		$30,646 Land $13,462 Building $17,184
2023	$1,241.00 Homeowner's exemption		$306,457 Land $134,620 Building $171,837

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 389 Cherokee in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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	4 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Feb 1993 · Severe Storms, Tornadoes & 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 389 Cherokee is very high, ranking above 90% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Very High above 90% of the US · above 86% of Arizona
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	PONDEROSA UTILITY CORP private · serves 1,585 people · EPA ID AZ0403018
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jul 2024 Coliform assessment Oct 2023
Monitoring and Reporting	1 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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