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1281 E Frances Ln, Gilbert, AZ 85295 Property Records

Maricopa County property record for 1281 E Frances Ln, Gilbert, AZ 85295 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,615 sqft · built 2004
Lot Size0.132 acres (5,740 sqft)
Owner2 Individual Names on File
Last Sale$356,000 (Feb 2026)
Tax Bill$1,417 (2025)
Deeds & MortgagesOct 2021 Mortgage
Feb 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone X (moderate risk)
APN304-46-124

Property Details

APN / Parcel Number

Primary APN304-46-124
Alternative APN
  • 304461243

Interior

Bedrooms2 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms5 Rooms
Stories2 Stories
Building Area1,615 sqft Living Area
Gross Area1,735 sqft
1st Floor Area600 sqft
2nd Floor Area1,015 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialWood
Construction TypeFrame
Roof MaterialConcrete
Lot Area5,740 sqft (0.132 acres)
Parking Spaces2 Parking Spaces
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemRefrigeration
Heating SystemForced Air with A/C
SewerMunicipal

Location & Zoning

Street Address1281 E FRANCES LN
CityGILBERT
StateAZ
Zip85295-8396
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPECTRUM AT VAL VISTA PARCEL 22 MCR 691-35
Legal Range6E
Legal Township1S
Legal Section32
Legal SubdivisionSPECTRUM AT VAL VISTA PARCEL 22
Legal Lot Number103
JurisdictionMARICOPA AZ
Township / Civil DivisionCHANDLER
Census Block Group2
Census Block2011
Census Tract815402

Owner

Source: Maricopa County records · APN 304-46-124

Assessment roll updated October 22, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address1336 E JULIAN DR, GILBERT, AZ 85295-1760
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Oct 28, 2021Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE
Feb 27, 2026Warranty Deed, Transfer · Conventional Mortgage
NEW AMERICAN FUNDING
Sep 22, 2025Warranty Deed, Transfer · Commercial Mortgage
CAPITAL FUND I LLC
Sep 08, 2023Intrafamily Transfer, Transfer
Dec 01, 2019Loan Modification, Mortgage · Conventional Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 27, 2026 · Amount on Record
Deed SaleFeb 27, 2026 · Amount on Record
Prior SaleSep 22, 2025 · Amount on Record
Deed Document Number2026116390
Prior Transfer DateSep 08, 2023
Prior Transfer Doc0000472095
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARICOPA AZ
Property Address1281 E FRANCES LN, GILBERT, AZ 85295-8396
Transaction TypeMortgage
Record UpdatedMar 09, 2026
Title CompanyDRIGGS TITLE AGENCY INC-NV, DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1281 E FRANCES LN, GILBERT, AZ 85295-8396

Mortgage

Document Number0001158696
DateOct 28, 2021
Instrument20211158696
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARICOPA AZ
Recording DateFeb 27, 2026
Property Address1281 E FRANCES LN, GILBERT, AZ 85295-8396
Document Number0000116390
Map ReferenceMB 691 PG 35
Instrument DateFeb 24, 2026
Instrument20260116390
Transaction TypeTransfer
Record UpdatedMar 09, 2026
Title CompanyCHICAGO TITLE AGENCY/NV INC, CHICAGO TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1760 E PECOS RD # RD501, RD501, GILBERT, AZ 85295-3200

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address1336 E JULIAN DR, GILBERT, AZ 85295-1760

Mortgage

Document Number0000116391
DateFeb 27, 2026
Instrument20260116391
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARICOPA AZ
Recording DateSep 22, 2025
Property Address1281 E FRANCES LN, GILBERT, AZ 85295-8396
Document Number0000545353
Map ReferenceDOC 2004-8182201
Instrument DateSep 19, 2025
Instrument20250545353
Transaction TypeTransfer
Record UpdatedNov 21, 2025
Title CompanyCHICAGO TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1281 E FRANCES LN, GILBERT, AZ 85295-8396

Transferred To (Grantee/Buyer)

NameVerified Name
Address1760 E PECOS RD STE 501, 501, GILBERT, AZ 85295-3205
InvestorPossibly a Property Investor

Mortgage

Document Number0000545354
DateSep 22, 2025
Instrument20250545354
Lender
NameCAPITAL FUND I LLC
TypeFunding / Finance Company
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARICOPA AZ
Recording DateSep 08, 2023
Property Address1281 E FRANCES LN, GILBERT, AZ 85295-8396
Document Number0000472095
Map ReferenceDOC 2004-818201
Instrument DateSep 08, 2023
Instrument20230472095
Transaction TypeTransfer
Record UpdatedSep 19, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1281 E FRANCES LN, GILBERT, AZ 85295-8396

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMARICOPA AZ
Property Address1281 E FRANCES LN, GILBERT, AZ 85295-8396
Document Number0000126477
Instrument DateDec 01, 2019
Transaction TypeMortgage
Record UpdatedFeb 25, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12871 E FRANCES LN GILBERT AZ 85295, GILBERT, AZ 85295

Mortgage

Document Number0000126477
DateFeb 14, 2020
Instrument126477
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43219-6009
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 13, 2050
Interest
Rate TypeAdjustable Rate
Rate3.75%

Tax Assessment & Valuation

Source: Maricopa County records · Assessment roll updated October 22, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateArizona
CountyMaricopa County
MunicipalityGilbert Town
Unified School DistrictGilbert Unified District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$38,180 (+107.07%)$381,800 (+7.37%) Land $76,300 Building $305,500
2025$1,417.00 (+3.96%)$18,438 (-51.86%)$355,600 (-7.15%) Land $71,100 Building $284,500
2024$1,363.00 (-0.8%)$38,300 (+21.74%)$383,000 (+21.74%) Land $76,600 Building $306,400
2023$1,374.00 (+3.08%)$31,460 Land $6,290 Building $25,170$314,600 Land $62,900 Building $251,700
2022$1,333.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Maricopa County (04013C), updated October 2, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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