1838 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 1838 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,128 sqft · built 1995
Lot Size	0.167 acres (7,301 sqft)
Owner	Individual Name on Record
Last Sale	$294,900 (Nov 2016)
Tax Bill	$1,911 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`304-21-196`

Property Details

APN / Parcel Number

Primary APN	`304-21-196`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	1,215 sqft
2nd Floor Area	913 sqft

Exterior

Year Built	Built 1995
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,301 sqft (0.167 acres)
Parking Spaces	3 Parking Spaces
Pool Area	416 sqft
Patio Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	1838 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	RANCHO CIMARRON MCR 380/25
Legal Range	06E
Legal Township	01S
Legal Section	16
Legal Quarter	SW
Quarter-Quarter Section	NE
Legal Subdivision	RANCHO CIMARRON
Legal Lot Number	168
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2000
Census Tract	422512

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1838 E SARATOGA ST, GILBERT, AZ 85296-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2016 · Amount on Record
Deed Sale	Nov 23, 2016 · Amount on Record
Prior Sale	Dec 28, 2010
Deed Document Number	20160865999
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1838 E SARATOGA ST, GILBERT, AZ 85296-2604
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1838 E SARATOGA ST, GILBERT, AZ 85296-2604

Mortgage

Document Number	0000636734
Date	Aug 19, 2019
Instrument	20190636734

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1838 E SARATOGA ST, GILBERT, AZ 85296-2604
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	EMPIRE W TITLE AGENCY, EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1838 E SARATOGA ST, GILBERT, AZ 85296-2604

Mortgage

Document Number	0000634894
Date	Jun 9, 2021
Instrument	20210634894

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,870 (-0.18%)	$498,700 (-0.18%) Land $99,700 Building $399,000
2025	$1,911.00 (+0.68%)
2024		$49,960	$499,600 Land $99,900 Building $399,700
2023	$1,898.00

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

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

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

Wildfire Risk	Not rated no burnable land within 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 699 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Arizona Network, Tristate Wi-Fi by Wi-Fiber.

Nearby Properties on E Saratoga St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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