1898 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 1898 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,836 sqft · built 1995
Lot Size	0.15 acres (6,556 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Jun 2020)
Tax Bill	$1,805 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`304-21-190`

Property Details

APN / Parcel Number

Primary APN	`304-21-190`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,836 sqft Living Area
1st Floor Area	1,836 sqft

Exterior

Year Built	Built 1995
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	6,556 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces
Pool Area	430 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	1898 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	162
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	1898 E SARATOGA ST, GILBERT, AZ 85296-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 18, 2020	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Jun 18, 2020	Quit Claim Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC
Apr 25, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Prior Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	20200533328
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1898 E SARATOGA ST, GILBERT, AZ 85296-2604
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 E SARATOGA ST, GILBERT, AZ 85296

Mortgage

Document Number	0000954497
Date	Sep 2, 2021
Instrument	20210954497

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 18, 2020
Property Address	1898 E SARATOGA ST, GILBERT, AZ 85296-2604
Document Number	0000533328
Instrument Date	Jun 9, 2020
Instrument	533328
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1898 E SARATOGA ST GILBERT AZ 852962604, GILBERT, AZ 85296-2604

Mortgage

Document Number	533330
Date	Jun 18, 2020
Instrument	533330

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 18, 2020
Property Address	1898 E SARATOGA ST, GILBERT, AZ 85296-2604
Document Number	0000533329
Instrument Date	Jun 9, 2020
Instrument	533329
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1898 E SARATOGA ST GILBERT AZ 852962604, GILBERT, AZ 85296-2604

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 25, 2019
Property Address	1898 E SARATOGA ST, GILBERT, AZ 85296-2604
Document Number	0000292257
Instrument Date	Apr 22, 2019
Instrument	292257
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$341.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1898 E SARATOGA ST GILBERT AZ 852962604, GILBERT, AZ 85296-2604

Mortgage

Document Number	292258
Date	Apr 25, 2019
Instrument	292258

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2049

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		$46,160 (-0.9%)	$461,600 (-0.9%) Land $92,300 Building $369,300
2025	$1,805.00 (+3.26%)
2024		$46,580	$465,800 Land $93,100 Building $372,700
2023	$1,748.00

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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