4640 W Cottage Loop, Show Low, AZ 85901 Property Records

Navajo County property record for 4640 W Cottage Loop, Show Low, AZ 85901

Property Summary

Property Type	Single Family Home
Details	560 sqft · built 2004
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Company Names on File
Last Sale	$282,000 (Apr 2026)
Tax Bill	$1,255 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`309-75-026`

Property Details

APN / Parcel Number

Primary APN	`309-75-026`
Alternative APN	`20975026`

Interior

Stories	1 Story
Building Area	560 sqft Living Area
1st Floor Area	560 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	4640 W COTTAGE LOOP
City	SHOW LOW
State	AZ
Zip	85901-3336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	SECTIONS 14 & 15, T10N, R21E: THE COTTAGES AT BISON RIDGE: LOT 26 , PER PLAT 23-41 & 42. OUT OF 209-30-001E & 209-32-002G FOR2005RO LL.
Legal Range	21E
Legal Township	10N
Legal Section	14
Legal Subdivision	THE COTTAGES AT BISON RIDGE
Legal Lot Number	26
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1115
Census Tract	964801

Owner

Source: Navajo County records, as of June 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	16078 W SHEILA LN, GOODYEAR, AZ 85395-8059
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed, Transfer · Seller Carry-Back NAVI TITLE AGCY, NAVI TITLE AGENCY
Jul 11, 2017	Warranty Deed, Transfer · Conventional Mortgage PIONEER TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Sep 6, 2024 · Amount on File
Deed Document Number	20264633
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Apr 1, 2026
Property Address	4640 W COTTAGE LOOP, SHOW LOW, AZ 85901-3336
Document Number	0000004633
Instrument Date	Mar 30, 2026
Instrument	20264633
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	NAVI TITLE AGCY, NAVI TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Life Tenant
Address	16078 W SHEILA LN, GOODYEAR, AZ 85395-8059

Mortgage

Document Number	0000004634,
Date	Apr 1, 2026
Instrument	20264634

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

Interest

Rate	6.01%
Max Rate	-1%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Jul 11, 2017
Property Address	4640 W COTTAGE LOOP, SHOW LOW, AZ 85901-3336
Document Number	0000010119
Map Reference	MB23 PG41&42
Instrument Date	Jun 28, 2017
Instrument	2017-10119
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	PIONEER TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5836 N 8TH PL, PHOENIX, AZ 85014-2161

Mortgage

Document Number	, 2017-10120
Date	Jul 11, 2017
Instrument	2017-10120

Lender

Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Navajo County assessment roll, as of June 12, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Navajo County
Municipality	Show Low City
Unified School District	Show Low Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027			$200,309 (-1.61%) Land $32,533 Building $167,776
2026			$203,579 (+1.65%) Land $29,333 Building $174,246
2025	$1,255.00 (+4.06%)	$20,027 Land $2,933 Building $17,094	$200,272 Land $29,333 Building $170,939
2024	$1,206.00 (+1.52%)
2023	$1,188.00

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.

Flood

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	6 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

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

Wildfire Risk	High above 79% of the US · above 68% of Arizona
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 SHOW LOW serves 17,139 people · EPA ID AZ0409026
Water Source	Groundwater
Last State Inspection	Mar 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 Nov 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 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

May also be available: Choice Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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