Navajo County property record for 3978 E Bermuda Cir, Pinetop, AZ 85935
| Property Type | Single Family Home |
|---|---|
| Details | 1,237 sqft · built 1989 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Mar 2026) |
| Tax Bill | $2,225 (2025) |
| Deeds & Mortgages | Mar 2026 Sale Apr 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 411-68-014 |
| Primary APN | 411-68-014 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,237 sqft Living Area |
| Gross Area | 1,531 sqft |
| 1st Floor Area | 1,237 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Porch | Open Slab |
|---|---|
| Porch Area | 17 sqft |
| Deck Area | Deck Area |
| Patio Area | 665 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3978 E BERMUDA CIR |
|---|---|
| City | PINETOP |
| State | AZ |
| Zip | 85935-8906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1-10 |
| Legal Description | PINETOP LAKES MOUNTAIN HOMES #1:LOT 14 |
| Legal Range | 23E |
| Legal Township | 08N |
| Legal Section | 11 |
| Legal Subdivision | PINETOP LAKES MOUNTAIN HOMES |
| Legal Lot Number | 14 |
| Jurisdiction | NAVAJO AZ |
| Township / Civil Division | SNOWFLAKE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 964902 |
3978 E Bermuda Cir is owned by two individuals who bought it in March 2026.
Source: Navajo County records, as of June 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2539 E LEONORA ST, MESA, AZ 85213-2357 |
| Owner Type | Individual |
| Vesting | Community Property |
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 |
|---|---|
| Mar 27, 2026 | Warranty Deed, Transfer LAWYERS TITLE, LAWYERS TITLE OF ARIZONA NC |
| Apr 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Oct 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on File |
| Deed Sale | Mar 27, 2026 · Amount on File |
| Prior Sale | Apr 6, 2022 · Amount on File |
| Deed Document Number | 20264372 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Recording Date | Mar 27, 2026 |
| Property Address | 3978 E BERMUDA CIR, PINETOP, AZ 85935-8906 |
| Document Number | 0000004372 |
| Map Reference | MB 11 PG 5 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 2026-04372 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2026 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE OF ARIZONA NC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17006 S 34TH ST, PHOENIX, AZ 85048-7822 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 2539 E LEONORA ST, MESA, AZ 85213-2357 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Recording Date | Apr 6, 2022 |
| Property Address | 3978 E BERMUDA CIR, PINETOP, AZ 85935-8906 |
| Document Number | 0000006958 |
| Map Reference | MB 11 PG 5 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022-06958 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17006 S 34TH ST, PHOENIX, AZ 85048-7822 |
| Document Number | 0000006960 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 2022-06960 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Property Address | 3978 E BERMUDA CIR, PINETOP, AZ 85935-8906 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001730 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2021-01730 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NAVAJO AZ |
| Recording Date | Oct 4, 2019 |
| Property Address | 3978 E BERMUDA CIR, PINETOP, AZ 85935-8906 |
| Document Number | 0000015625 |
| Map Reference | MB 11 PG 5 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 2019-15625 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | LAWYERS TITLE NAVAJO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5313 E 33RD PL, 5313, YUMA, AZ 85365-9539 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 4817 N 74TH PL, SCOTTSDALE, AZ 85251-1537 |
| Document Number | 0000015626 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 2019-15626 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 3978 E Bermuda Cir was $2,225, up 4% from the year before.
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 | $348,066 (-5.79%) Land $80,000 Building $268,066 | ||
| 2026 | $369,439 (+2.1%) Land $64,300 Building $305,139 | ||
| 2025 | $2,225.00 (+3.97%) | $36,185 Land $6,250 Building $29,935 | $361,852 Land $62,500 Building $299,352 |
| 2024 | $2,140.00 (+4.39%) | ||
| 2023 | $2,050.00 |
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 3978 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 3978 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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