1864 E Merlot St, Gilbert, AZ 85298 Property Records

Maricopa County property record for 1864 E Merlot St, Gilbert, AZ 85298

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,450 sqft · built 2010
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Aug 2011)
Tax Bill	$2,389 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`304-80-148`

Property Details

APN / Parcel Number

Primary APN	`304-80-148`
Alternative APN	`304801482`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,450 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,508 sqft
2nd Floor Area	942 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	7,800 sqft (0.179 acres)
Parking Spaces	2 Parking Spaces
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1864 E MERLOT ST
City	GILBERT
State	AZ
Zip	85298-0813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	EVANS RANCH MCR 830-31
Legal Range	6E
Legal Township	2S
Legal Section	28
Legal Subdivision	EVANS RANCH
Legal Lot Number	130
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2011
Census Tract	816005

Owner

Source: Maricopa County assessment roll, as of October 22, 2025

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	1864 E MERLOT ST, GILBERT, AZ 85298-0813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · FHA Mortgage LADERA LENDING
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LADERA LENDING INC
Aug 6, 2025	Deed of Trust, Mortgage · FHA Mortgage LADERA LENDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 30, 2011 · Amount on Record
Deed Sale	Aug 30, 2011 · Amount on Record
Prior Sale	Dec 31, 2008 · Amount on Record
Deed Document Number	2011724138
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Apr 22, 2026
Property Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813
Document Number	0000238369
Instrument Date	Apr 16, 2026
Instrument	2026238369
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813

Mortgage

Document Number	0000238369,
Date	Apr 22, 2026
Instrument	2026238369

Lender

Name	LADERA LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 E NERLOT STREET, GILBERT, AZ 85298

Mortgage

Document Number	0000328697
Date	Apr 14, 2022
Instrument	20220328697

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813

Mortgage

Document Number	0000456904
Date	Aug 31, 2023
Instrument	20230456904

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	UNLS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 E MERLOT ST, GILBERT, AZ 85298-0813

Mortgage

Document Number	0000450451
Date	Aug 6, 2025
Instrument	20250450451

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,120 (+61.96%)	$491,200 (+5.45%) Land $98,200 Building $393,000
2025	$2,389.00 (+3.6%)	$30,328 (-38.99%)	$465,800 (-6.3%) Land $93,100 Building $372,700
2024		$49,710	$497,100 Land $99,400 Building $397,700
2023	$2,306.00

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	Low lower than 65% of the US · lower than 72% of Arizona
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Lumen Technologies DSL	140 / 20
Wi-Fiber Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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