4840 W Cottage Loop, Show Low, AZ 85901 Property Records

Navajo County property record for 4840 W Cottage Loop, Show Low, AZ 85901

Property Summary

Property Type	Single Family Home
Details	972 sqft · built 2006
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Trust Names on File
Last Sale	$385,000 (Apr 2026)
Tax Bill	$1,726 (2025)
Deeds & Mortgages	Apr 2026 Sale Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`309-75-006`

Property Details

APN / Parcel Number

Primary APN	`309-75-006`
Alternative APN	`20975006`

Interior

Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	972 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	4,356 sqft (0.1 acres)
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	4840 W COTTAGE LOOP
City	SHOW LOW
State	AZ
Zip	85901-3306
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 6, PER PLAT 23-41 & 42. OUT OF 209-30-001E & 209-32-002G FOR2005ROL L. LOT LINE SHIFT PER SURVEY 50-25 & 05-24672 FOR06
Legal Range	21E
Legal Township	10N
Legal Section	14
Legal Subdivision	THE COTTAGES AT BISON RIDGE
Legal Lot Number	6
Jurisdiction	NAVAJO AZ
Township / Civil Division	SNOWFLAKE
Census Block Group	1
Census Block	1115
Census Tract	964801

Owner

4840 W Cottage Loop is held in a trust since April 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	320 N RETREAT WAY, SHOW LOW, AZ 85901-4638
Owner Type	Company
Vesting	Trust, Family Trust

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
Apr 3, 2026	Warranty Deed, Transfer LAWYERS TITLE
Sep 13, 2021	Intrafamily Transfer, Transfer
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDFIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2026 · Amount on File
Deed Sale	Apr 3, 2026 · Amount on File
Prior Sale	Aug 31, 2021 · Amount on File
Deed Document Number	20264743
Prior Transfer Date	Aug 27, 2021
Prior Transfer Doc	0000020332
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Apr 3, 2026
Property Address	4840 W COTTAGE LOOP, SHOW LOW, AZ 85901-3306
Document Number	0000004743
Instrument Date	Mar 30, 2026
Instrument	20264743
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount 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	Family Trust

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NAVAJO AZ
Recording Date	Sep 13, 2021
Property Address	4840 W COTTAGE LOOP, SHOW LOW, AZ 85901-3306
Document Number	0000020332
Map Reference	DOC 2005-24672
Instrument Date	Aug 27, 2021
Instrument	2021-20332
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	13257 N 78TH ST, SCOTTSDALE, AZ 85260-4009

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAVAJO AZ
Recording Date	Aug 31, 2021
Property Address	4840 W COTTAGE LOOP, SHOW LOW, AZ 85901-3306
Document Number	0000019449
Map Reference	MB 23 PG 41&42
Instrument Date	Aug 19, 2021
Instrument	2021-19449
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	LAWYERS TITLE/KANSAS INC, 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	1022 W PECOS AVE, 1022, MESA, AZ 85210-8238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4840 W COTTAGE LOOP, SHOW LOW, AZ 85901-3306

Mortgage

Document Number	0000019451
Date	Aug 31, 2021
Instrument	2021-19451

Lender

Name	MIDFIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4840 W Cottage Loop was $1,726, up 4.1% from the year before.

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			$267,930 (-1.93%) Land $32,533 Building $235,397
2026			$273,214 (+1.84%) Land $29,333 Building $243,881
2025	$1,726.00 (+4.1%)	$26,828 Land $2,933 Building $23,895	$268,286 Land $29,333 Building $238,953
2024	$1,658.00 (+1.53%)
2023	$1,633.00

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

FEMA maps place 4840 W Cottage Loop 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	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

Wildfire risk around 4840 W Cottage Loop is high, ranking above 79% of the US, with a 0.3% annual chance of 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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