4089 S Nicholas St, Flagstaff, AZ 86005 Property Records

Coconino County property record for 4089 S Nicholas St, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	2.75 ba · 1,567 sqft · built 1999
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$673,000 (May 2026)
Tax Bill	$1,401 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-06-058`

Property Details

APN / Parcel Number

Primary APN	`105-06-058`
Alternative APN	`R0038979`

Interior

Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,567 sqft Living Area
1st Floor Area	1,567 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Slab
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0038979
Street Address	4089 S NICHOLAS ST
City	FLAGSTAFF
State	AZ
Zip	86005-6919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: ASPEN TRAILS LOT: 57 SIXTEENTH: SW QUARTER: NW SECTION: 33 TOWNSHIP: 21N RANGE: 07E
Legal Subdivision	ASPEN TRAILS
Legal Lot Number	57
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1001
Census Tract	901

Owner

Source: Coconino County records, as of May 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1471, TUBA CITY, AZ 86045-1471
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
May 8, 2026	Warranty Deed, Transfer · VA Mortgage USAA FSB
Mar 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Prior Sale	Mar 16, 2012 · Amount on Record
Deed Document Number	20264039003
Prior Transfer Date	Jul 23, 2015
Prior Transfer Doc	0003728440
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4089 S NICHOLAS ST, FLAGSTAFF, AZ 86005-6919
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4089 S NICHOLAS ST, FLAGSTAFF, AZ 86005-6919

Mortgage

Document Number	0003945708
Date	Mar 21, 2022
Instrument	3945708

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	793 Months
Due	Apr 11, 2088

Interest

Rate Type	Adjustable Rate
Rate	2.76%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Index	1-Year CMT

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	May 8, 2026
Property Address	4089 S NICHOLAS ST, FLAGSTAFF, AZ 86005-6919
Document Number	0004039003
Instrument Date	Apr 22, 2026
Instrument	20264039003
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	PIONEER TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

Mortgage

Document Number	0004039004,
Date	May 8, 2026
Instrument	20264039004

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4089 S NICHOLAS ST, FLAGSTAFF, AZ 86005-6919
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4089 S NICHOLAS ST, FLAGSTAFF, AZ 86005-6919

Mortgage

Document Number	0003945708
Date	Mar 21, 2022
Instrument	3945708

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	793 Months
Due	Apr 11, 2088

Interest

Rate Type	Adjustable Rate
Rate	2.76%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Index	1-Year CMT

Tax Assessment & Valuation

Source: Coconino County assessment roll, as of May 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,132 (+7.04%) Land $13,994 Building $38,138
2025	$1,401.00 (-2.16%)	$48,705 (-6.69%)	$487,053 (-6.69%) Land $121,685 Building $365,368
2024		$52,199 Land $12,169 Building $40,030
2023	$1,432.00 Homeowner's exemption		$521,989 Land $121,685 Building $400,304

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

Source: FEMA National Flood Hazard Layer, effective October 6, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 52% of the US · above 41% of Arizona
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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	CITY OF FLAGSTAFF serves 79,796 people · EPA ID AZ0403008
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	53 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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Bluespan Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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