1865 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 1865 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,629 sqft · built 1996
Lot Size	0.146 acres (6,373 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,000 (Oct 2016)
Tax Bill	$1,528 (2025)
Deeds & Mortgages	May 2023 Transfer Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`304-21-210`

Property Details

APN / Parcel Number

Primary APN	`304-21-210`
Alternative APN	`304212103`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,629 sqft Living Area
Gross Area	1,749 sqft
1st Floor Area	1,629 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,373 sqft (0.146 acres)
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1865 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	RANCHO CIMARRON MCR 380-25
Legal Range	6E
Legal Township	1S
Legal Section	16
Legal Subdivision	RANCHO CIMARRON
Legal Lot Number	182
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2006
Census Tract	422512

Owner

Source: Maricopa County records, as of June 29, 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 Record
Mailing Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Intrafamily Transfer, Transfer
Aug 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN ADVISORS GROUP
Sep 21, 2018	Intrafamily Transfer, Transfer · Reverse Mortgage RESOLUTE BANK
Sep 21, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2016 · Amount on Record
Deed Sale	Oct 7, 2016 · Amount on Record
Prior Sale	Mar 3, 2000 · Amount on Record
Deed Document Number	2016738308
Last Transfer Date	May 12, 2023
Transfer Doc	0000248169
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	May 12, 2023
Property Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605
Document Number	0000248169
Map Reference	MB 380 PG 25
Instrument Date	May 12, 2023
Instrument	20230248169
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Aug 31, 2022
Property Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605
Document Number	0000682489
Map Reference	MB 380 PG 25
Instrument Date	Aug 26, 2022
Instrument	20220682489
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605

Mortgage

Document Number	0000682490
Date	Aug 31, 2022
Instrument	20220682490

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

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

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Sep 21, 2018
Property Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605
Document Number	0000711852
Map Reference	MB 380 PG 25
Instrument Date	Sep 14, 2018
Instrument	20180711852
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PREMIER TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605

Mortgage

Document Number	0000711853
Date	Sep 21, 2018
Instrument	20180711853

Lender

Name	RESOLUTE BANK
Type	Bank

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Type Change Date	Oct 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MARICOPA AZ
Recording Date	Sep 21, 2018
Property Address	1865 E SARATOGA ST, GILBERT, AZ 85296-2605
Document Number	0000711851
Instrument Date	Sep 14, 2018
Instrument	711851
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 E SARATOGA ST GILBERT AZ 852962605, GILBERT, AZ 85296-2605

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	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,900 (+104.51%)	$409,000 (+5.14%) Land $81,800 Building $327,200
2025	$1,528.00 (+3.17%)	$19,999 (-51.82%)	$389,000 (-6.29%) Land $77,800 Building $311,200
2024		$41,510	$415,100 Land $83,000 Building $332,100
2023	$1,481.00

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.

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