539 Choctaw, Flagstaff, AZ 86005 Property Records

Coconino County property record for 539 Choctaw, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	2.75 ba · 1,879 sqft · built 1997
Lot Size	0.38 acres (16,552 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Apr 2020)
Tax Bill	$2,955 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`115-08-137C`

Property Details

APN / Parcel Number

Primary APN	`115-08-137C`
Alternative APN	`R0021883`

Interior

Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,879 sqft Living Area
1st Floor Area	626 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Tri-Level
Exterior Material	Frame Wood
Roof Material	Asphalt
Lot Area	16,552 sqft (0.38 acres)
Porch	Slab
Deck Area	Deck Area
Patio Area	413 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0021883
Street Address	539 CHOCTAW
City	FLAGSTAFF
State	AZ
Zip	86005-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: MOUNTAINAIRE UNIT 02 LOT: 389 THRU:- LOT: 391 SIXTEENTH: NE QUARTER: SW SECTION: 28 TOWNSHIP: 20N RANGE: 07E
Legal Subdivision	MOUNTAINAIRE UNIT 02
Legal Lot Number	389,3
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1029
Census Tract	1500

Owner

539 Choctaw is owned and occupied by two individuals who bought it in April 2020.

Source: Coconino County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	539 CHOCTAW, FLAGSTAFF, AZ 86005-4026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 23, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 8, 2022	Intrafamily Transfer, Transfer
Apr 1, 2020	Warranty Deed, Transfer · Conventional Mortgage LHM FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on File
Deed Sale	Apr 1, 2020 · Amount on File
Prior Sale	Nov 15, 2013 · Amount on File
Deed Document Number	20203869489
Prior Transfer Date	Oct 27, 2016
Prior Transfer Doc	0003771066
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Sep 23, 2026
Property Address	539 CHOCTAW, FLAGSTAFF, AZ 86005-4026
Document Number	0004047634
Instrument Date	Sep 18, 2026
Instrument	20264047634
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

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
Address	539 CHOCTAW, FLAGSTAFF, AZ 86005-4026

Mortgage

Document Number	0004047635,
Date	Sep 23, 2026
Instrument	20264047635

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COCONINO AZ
Recording Date	Jun 8, 2022
Property Address	539 CHOCTAW, FLAGSTAFF, AZ 86005-4026
Document Number	0003952491
Map Reference	CASE 1 MAP 115
Instrument Date	Jun 8, 2022
Instrument	3952491
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 CHOCTAW, 539, FLAGSTAFF, AZ 86005-4026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 CHOCTAW, FLAGSTAFF, AZ 86005-4026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Apr 1, 2020
Property Address	539 CHOCTAW, FLAGSTAFF, AZ 86005-4026
Document Number	0003869489
Map Reference	CASE 1 MAP 115
Instrument Date	Mar 11, 2020
Instrument	3869489
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	PIONEER TITLE AGENCY 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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003869490
Date	Apr 1, 2020
Instrument	3869490

Lender

Name	LHM FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 539 Choctaw was $2,955.

Source: Coconino County assessment roll, as of May 16, 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		$51,571 (-4.69%) Land $15,586 Building $35,985
2025	$2,955.00	$54,109 (+0.59%)	$541,088 Land $183,359 Building $357,729
2024		$53,791 Land $18,336 Building $35,455
2023	$2,582.00 Homeowner's exemption		$537,912 Land $183,359 Building $354,553

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 539 Choctaw in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

Wildfire risk around 539 Choctaw is very high, ranking above 90% of the US, with a 1% annual chance of 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 Choctaw

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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