1049 E Encinas Ave, Gilbert, AZ 85234 Property Records

Maricopa County property record for 1049 E Encinas Ave, Gilbert, AZ 85234

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,163 sqft · built 1987
Lot Size	0.184 acres (8,011 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,322 (2025)
Deeds & Mortgages	Jul 2022 Reverse Mortgage Jun 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-96-494`

Property Details

APN / Parcel Number

Primary APN	`304-96-494`
Alternative APN	`304964942`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,163 sqft Living Area
Gross Area	2,423 sqft
1st Floor Area	1,130 sqft
2nd Floor Area	1,033 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	8,011 sqft (0.184 acres)
Parking Spaces	2 Parking Spaces
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1049 E ENCINAS AVE
City	GILBERT
State	AZ
Zip	85234-3551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	VAL VISTA PARK MCR 290-05
Legal Range	6E
Legal Township	1S
Legal Section	5
Legal Subdivision	VAL VISTA PARK
Legal Lot Number	169
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1003
Census Tract	422506

Owner

Source: Maricopa County records, as of May 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1049 E ENCINAS AVE, GILBERT, AZ 85234-3551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Jun 1, 2021	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Jul 13, 2018	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1049 E ENCINAS AVE, GILBERT, AZ 85234-3551
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1049 E ENCINAS AVE, GILBERT, AZ 85234-3551

Mortgage

Document Number	0000558780
Date	Jul 8, 2022
Instrument	20220558780

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1049 E ENCINAS AVE, GILBERT, AZ 85234-3551
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1049 E ENCINAS AVE, GILBERT, AZ 85234-3551

Mortgage

Document Number	0000604413
Date	Jun 1, 2021
Instrument	20210604413

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Jun 28, 2098

Interest

Rate Type	Adjustable Rate
Rate	2.06%
Type Change Date	Jun 1, 2021
Change Frequency	Annually
Index	1-Year CMT

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1049 E ENCINAS AVE, GILBERT, AZ 85234-3551
Document Number	0000545247
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1049 E ENCINAS AVE GILBERT AZ 852343551, GILBERT, AZ 85234-3551

Mortgage

Document Number	0000545247
Date	Jul 18, 2018
Instrument	545247

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	960 Months
Due	Jul 17, 2098

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Gilbert Town
Unified School District	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,280 (+103.49%)	$472,800 (+6.73%) Land $94,500 Building $378,300
2025	$2,322.00 (+11.37%)	$23,235 (-50.68%)	$443,000 (-5.96%) Land $88,600 Building $354,400
2024		$47,110	$471,100 Land $94,200 Building $376,900
2023	$2,085.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 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 99.8% of the US · lower than 99.9% of Arizona
Wildfire Likelihood	Under 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	TOWN OF GILBERT serves 247,600 people · EPA ID AZ0407092
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2017
Treatment and Procedure	Treatment report not submitted Oct 2017
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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Tristate Wi-Fi by Wi-Fiber.

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