1176 S Osborn Ln, Gilbert, AZ 85296 Property Records

Maricopa County property record for 1176 S Osborn Ln, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,740 sqft · built 2007
Lot Size	0.131 acres (5,730 sqft)
Owner	Individual Name on File
Last Sale	$259,000 (Jun 2018)
Tax Bill	$2,023 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`313-14-852`

Property Details

APN / Parcel Number

Primary APN	`313-14-852`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft

Exterior

Year Built	Built 2007
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,730 sqft (0.131 acres)
Parking Spaces	2 Parking Spaces
Patio Area	137 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	1176 S OSBORN LN
City	GILBERT
State	AZ
Zip	85296-1465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	COOLEY STATION NORTH PARCEL 3 MCR 751-27
Legal Range	06E
Legal Township	01S
Legal Section	23
Legal Quarter	NE
Quarter-Quarter Section	SW
Legal Subdivision	COOLEY STATION NORTH PARCEL 3
Legal Lot Number	840
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	1
Census Block	1001
Census Tract	814801

Owner

1176 S Osborn Ln is owned and occupied by an individual who bought it in June 2018.

Source: Maricopa County records, as of November 20, 2025

Owner of Record	Individual Name on File
Mailing Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 24, 2021	Deed of Trust, Mortgage · VA Mortgage LEADER ONE FINANCIAL CORP
Feb 16, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 22, 2025	Deed of Trust, Mortgage · Commercial Mortgage BELL BANK
May 20, 2020	Deed of Trust, Mortgage · VA Mortgage LEADER ONE FINANCIAL CORP
Jun 25, 2018	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2018 · Amount on File
Deed Sale	Jun 25, 2018 · Amount on File
Prior Sale	May 14, 2008
Deed Document Number	20180483181
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	EMPIRE W TITLE AGENCY, EMPIRE WEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465

Mortgage

Document Number	0000205875
Date	Feb 24, 2021
Instrument	20210205875

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465

Mortgage

Document Number	0000144019
Date	Feb 16, 2022
Instrument	20220144019

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465

Mortgage

Document Number	0000544428
Date	Sep 22, 2025
Instrument	20250544428

Lender

Name	BELL BANK
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	2 Months
Due	Nov 11, 2025

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	EMPIRE WEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431564
Date	May 20, 2020
Instrument	20200431564

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 25, 2018
Property Address	1176 S OSBORN LN, GILBERT, AZ 85296-1465
Document Number	0000483181
Instrument Date	Jun 19, 2018
Instrument	483181
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1176 S OSBORN LN GILBERT AZ 852961465, GILBERT, AZ 85296-1465

Mortgage

Document Number	483182
Date	Jun 25, 2018
Instrument	483182

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1176 S Osborn Ln was $2,023.

Source: Maricopa County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$41,300	$413,000 Land $82,600 Building $330,400
2025	$2,023.00
2024		$40,170	$401,700 Land $80,300 Building $321,400
2023	$1,781.00

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 1176 S Osborn Ln in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1176 S Osborn Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.6% of Arizona
Wildfire Likelihood	Under 0.01% 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	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 733 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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