1858 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 1858 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,583 sqft · built 1995
Lot Size	0.15 acres (6,551 sqft)
Owner	Individual Name on Record
Tax Bill	$1,847 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`304-21-194`

Property Details

APN / Parcel Number

Primary APN	`304-21-194`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,583 sqft Living Area
1st Floor Area	1,583 sqft

Exterior

Year Built	Built 1995
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	6,551 sqft (0.15 acres)
Parking Spaces	3 Parking Spaces
Patio Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	1858 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	166
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
Mailing Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Nov 20, 2019	Warranty Deed, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC
Aug 17, 2020	Re-recorded Document · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020
Deed Sale	Aug 17, 2020
Prior Sale	May 3, 2013
Deed Document Number	20200751792
Prior Transfer Date	Nov 20, 2019
Prior Transfer Doc	20190939470
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	STEWART TITLE, STEWART TTL & TR OF PHOENIX

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000751793
Date	Aug 17, 2020
Instrument	20200751793

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	GILBERT, AZ 85296

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604

Mortgage

Document Number	0000337059
Date	Apr 18, 2022
Instrument	20220337059

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 20, 2019
Property Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604
Document Number	0000939470
Map Reference	MB 380 PG 25
Instrument Date	Nov 11, 2019
Instrument	20190939470
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1308 S OWL DR, 1308, GILBERT, AZ 85296-8470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604

Mortgage

Document Number	0000939471
Date	Nov 20, 2019
Instrument	20190939471

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2020: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MARICOPA AZ
Recording Date	Aug 17, 2020
Property Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604
Document Number	0000751792
Map Reference	MB 380 PG 25
Instrument Date	Nov 11, 2019
Instrument	20200751792
Record Updated	Nov 9, 2022
Title Company	STEWART TITLE, STEWART TTL & TR OF PHOENIX

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1858 E SARATOGA ST, GILBERT, AZ 85296-2604

Mortgage

Document Number	0000751793
Date	Aug 17, 2020
Instrument	20200751793

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	GILBERT, AZ 85296

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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		$41,530 (-0.79%)	$415,300 (-0.79%) Land $83,000 Building $332,300
2025	$1,847.00 (+3.3%)
2024		$41,860	$418,600 Land $83,700 Building $334,900
2023	$1,788.00

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

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.

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