4862 E Whispering Ln, Flagstaff, AZ 86004 Property Records

Coconino County property record for 4862 E Whispering Ln, Flagstaff, AZ 86004

Property Summary

Property Type	Single Family Home
Details	3.75 ba · 2,821 sqft · built 1993
Lot Size	0.264 acres (11,538 sqft)
Owner	2 Company Names on Record
Last Sale	$330,000 (Nov 2003)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`117-23-050`

Property Details

APN / Parcel Number

Primary APN	`117-23-050`
Alternative APN	`R0009091`

Interior

Full Baths	3.75 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,821 sqft Living Area
Gross Area	3,492 sqft
1st Floor Area	1,411 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	11,538 sqft (0.264 acres)
Garage Type	Attached
Garage Area	671 sqft
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R0009091
Street Address	4862 E WHISPERING LN
City	FLAGSTAFF
State	AZ
Zip	86004-7518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: EVERGREEN LOT: 258 SIXTEENTH: SE QUARTER: NW SECTION: 18 TOWNSHIP: 21N RANGE: 08E
Legal Range	08E
Legal Township	21N
Legal Section	18
Legal Subdivision	EVERGREEN
Legal Lot Number	258
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1000
Census Tract	601

Owner

Source: Coconino County records, as of November 5, 2025

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	4862 E WHISPERING LN, FLAGSTAFF, AZ 86004-7518
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 15, 2023	Intrafamily Transfer, Transfer
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
May 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 24, 2003 · Amount on Record
Deed Sale	Nov 24, 2003 · Amount on Record
Prior Sale	Nov 24, 2003 · Amount on Record
Deed Document Number	0003237465
Last Transfer Date	May 15, 2023
Transfer Doc	0003973516
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4862 E WHISPERING LN, FLAGSTAFF, AZ 86004-7518
Transaction Type	Mortgage
Record Updated	Jul 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4862 E WHISPERING LN C, C, FLAGSTAFF, AZ 86004-7518

Mortgage

Document Number	0003917906
Date	Jun 7, 2021
Instrument	3917906

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Feb 1, 2036

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	May 15, 2023
Property Address	4862 E WHISPERING LN, FLAGSTAFF, AZ 86004-7518
Document Number	0003973516
Map Reference	CASE 3 MAP 146-146G
Instrument Date	May 15, 2023
Instrument	3973516
Transaction Type	Transfer
Record Updated	Jul 24, 2023

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	Family Trust
Address	4862 E WHISPERING LN, FLAGSTAFF, AZ 86004-7518

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4862 E WHISPERING LN, FLAGSTAFF, AZ 86004-7518
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003777040
Date	Feb 13, 2017
Instrument	3777040

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4862 E WHISPERING LN, FLAGSTAFF, AZ 86004-7518
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003841858
Date	May 16, 2019
Instrument	3841858

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2039

Tax Assessment & Valuation

Source: Coconino County assessment roll, as of January 1, 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		$76,190 (-2.14%) Land $22,080 Building $54,110
2025	$3,537.00 (+8.46%) Homeowner's exemption		$761,894 (-2.14%) Land $220,795 Building $541,099
2024		$77,853 (+28.55%) Land $27,599 Building $50,254
2023	$3,261.00 (+7.8%) Homeowner's exemption	$60,562 Land $17,692 Building $42,870	$778,534 (+28.55%) Land $275,994 Building $502,540
2022	$3,025.00 Homeowner's exemption		$605,621 Land $176,919 Building $428,702

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 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	Low lower than 80% of the US · lower than 87% of Arizona
Wildfire Likelihood	0.01% 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bluespan Wireless, T-Mobile.

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