Maricopa County property record for 174 E Bernie Ln, Gilbert, AZ 85295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,788 sqft · built 2014 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Jul 2021) |
| Tax Bill | $1,847 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 313-18-091 |
| Primary APN | 313-18-091 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| Gross Area | 1,898 sqft |
| 1st Floor Area | 1,788 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Concrete |
| Lot Area | 5,500 sqft (0.126 acres) |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 110 sqft |
| Cooling System | Refrigeration |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 174 E BERNIE LN |
|---|---|
| City | GILBERT |
| State | AZ |
| Zip | 85295-0102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | GILBERT COMMONS ENCLAVE MCR 1143-25 |
| Legal Range | 6E |
| Legal Township | 1S |
| Legal Section | 31 |
| Legal Subdivision | GILBERT COMMONS ENCLAVE |
| Legal Lot Number | 17 |
| Jurisdiction | MARICOPA AZ |
| Township / Civil Division | CHANDLER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 815300 |
Source: Maricopa County records · APN 313-18-091
Assessment roll updated October 22, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| May 05, 2026 | Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LNDG INC |
| Apr 03, 2023 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| Jul 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2021 · Amount on Record |
| Deed Sale | Jul 02, 2021 · Amount on Record |
| Prior Sale | Dec 26, 2013 · Amount on Record |
| Deed Document Number | 2021729192 |
| Prior Transfer Date | Jun 29, 2021 |
| Prior Transfer Doc | 0000729192 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Recording Date | May 05, 2026 |
| Property Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Document Number | 0000268878 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026268878 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Community Property, 149 |
| Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Document Number | 0000268878, |
|---|---|
| Date | May 05, 2026 |
| Instrument | 2026268878 |
| Name | ADVANTAGEFIRST LNDG INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2023 |
| Title Company | NOT AVAILABLE, NETCO TITLE |
| Name | Verified Name |
|---|---|
| Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Document Number | 0000168751 |
|---|---|
| Date | Apr 03, 2023 |
| Instrument | 20230168751 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Recording Date | Jul 02, 2021 |
| Property Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Document Number | 0000729192 |
| Map Reference | MB 1143 PG 25 |
| Instrument Date | Jun 29, 2021 |
| Instrument | 20210729192 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2022 |
| Title Company | FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|---|
| Address | 174 E BERNIE LN, 174, GILBERT, AZ 85295-0102 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 174 E BERNIE LN, GILBERT, AZ 85295-0102 |
| Document Number | 0000729193 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 20210729193 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Maricopa County records · Assessment roll updated October 22, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Arizona |
| County | Maricopa County |
| Municipality | Gilbert Town |
| Unified School District | Gilbert Unified District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,000 (+85.7%) | $450,000 (+6.13%) Land $90,000 Building $360,000 | |
| 2025 | $1,847.00 (+3.24%) | $24,232 (-48.07%) | $424,000 (-9.13%) Land $84,800 Building $339,200 |
| 2024 | $46,660 | $466,600 Land $93,300 Building $373,300 | |
| 2023 | $1,789.00 |
Source: FEMA National Flood Hazard Layer as of October 2, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
| AirFiber WISP Fixed Wireless | 100 / 25 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Arizona Network, WeLink Communications.
Based on FCC filings for 382 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF GILBERT serves 247,600 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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