428 Cherokee, Flagstaff, AZ 86005 Property Records

Coconino County property record for 428 Cherokee, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	1,415 sqft · built 1982
Lot Size	0.228 acres (9,946 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Oct 2025)
Tax Bill	$2,674 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`115-12-019A`

Property Details

APN / Parcel Number

Primary APN	`115-12-019A`
Alternative APN	`R0146355`

Interior

Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,415 sqft Living Area
1st Floor Area	708 sqft

Exterior

Year Built	Built 1982
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	9,946 sqft (0.228 acres)
Terrain	Gentle Slope
Porch	Porch
Porch Area	128 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	R0146355
Street Address	428 CHEROKEE
City	FLAGSTAFF
State	AZ
Zip	86005-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: MOUNTAINAIRE UNIT 05 LOT: 702 AND:- LOT: 721 , SIXTEENTH: NW QUARTER: SE SECTION: 28 TOWNSHIP: 20N RANGE: 07E
Legal Range	07E
Legal Township	20N
Legal Section	28
Legal Subdivision	MOUNTAINAIRE UNIT 05
Legal Lot Number	702,721 721
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1017
Census Tract	1500

Owner

Source: Coconino County records, as of November 7, 2025

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
Co-owner	Co-owner on Record
Mailing Address	428 CHEROKEE, FLAGSTAFF, AZ 86005-4015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Sep 24, 2018	Warranty Deed, Transfer · Conventional Mortgage ONEAZ CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	Sep 24, 2018 · Amount on Record
Deed Document Number	4027109
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Oct 22, 2025
Property Address	428 CHEROKEE, FLAGSTAFF, AZ 86005-4015
Document Number	0004027109
Map Reference	CASE 2 MAP 53
Instrument Date	Oct 15, 2025
Instrument	4027109
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	UNIVERSITY TITLE INC, UNIVERSITY TITLE

Transaction

Amount	Amount Recorded
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	3146 SPENCE SPRINGS RD, PRESCOTT, AZ 86305-5082

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	428 CHEROKEE, FLAGSTAFF, AZ 86005-4015

Mortgage

Document Number	0004027110
Date	Oct 22, 2025
Instrument	4027110

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	428 CHEROKEE, FLAGSTAFF, AZ 86005-4015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003885901
Date	Sep 4, 2020
Instrument	3885901

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company
Address	TUCSON, AZ 85711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Sep 24, 2018
Property Address	428 CHEROKEE, FLAGSTAFF, AZ 86005-4015
Document Number	0003825978
Instrument Date	Aug 22, 2018
Instrument	3825978
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	EMPIRE W TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 VERDE VALLEY SCHOOL RD #C16 SEDONA AZ 863519035, C16, SEDONA, AZ 86351-9035

Mortgage

Document Number	3825979
Date	Sep 24, 2018
Instrument	3825979

Lender

Name	ONEAZ CU
Address	PHOENIX, AZ 85027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2048

Tax Assessment & Valuation

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		$40,029 (-4.7%) Land $13,187 Building $26,842
2025	$2,674.00 (+12.73%)		$400,289 (-4.69%) Land $131,874 Building $268,415
2024		$42,001 Land $15,515 Building $26,486
2023	$2,372.00		$420,003 Land $155,146 Building $264,857

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 · 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

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)

Nearby Properties on Cherokee

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures