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2227 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 2227 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,877 sqft · built 1998
Lot Size0.167 acres (7,292 sqft)
Owner2 Individual Names on File
Last Sale$299,900 (Aug 2017)
Tax Bill$1,819 (2025)
Deeds & MortgagesNov 2020 Mortgage
Aug 2019 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN309-11-452

Property Details

APN / Parcel Number

Primary APN309-11-452
Alternative APN
  • 309114524

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area1,877 sqft Living Area
Gross Area2,057 sqft
1st Floor Area1,877 sqft

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialWood
Construction TypeFrame
Roof MaterialConcrete
Lot Area7,292 sqft (0.167 acres)
Parking Spaces2 Parking Spaces
Pool Area346 sqft
Patio Area180 sqft

Utilities, Heating & Cooling

Cooling SystemRefrigeration
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address2227 E SARATOGA ST
CityGILBERT
StateAZ
Zip85296-2769
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-7
Legal DescriptionFINLEY FARMS SOUTH PARCEL 13 MCR 404-11
Legal Range6E
Legal Township1S
Legal Section16
Legal SubdivisionFINLEY FARMS SOUTH PARCEL 13
Legal Lot Number74
JurisdictionMARICOPA AZ
Township / Civil DivisionPHOENIX
Census Block Group3
Census Block3017
Census Tract422512

Owner

Source: Maricopa County records, as of December 2, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address2227 E SARATOGA ST, GILBERT, AZ 85296-2769
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Aug 26, 2019Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Aug 11, 2017Warranty Deed, Transfer · Conventional Mortgage
NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 11, 2017 · Amount on File
Deed SaleAug 11, 2017 · Amount on File
Prior SaleJul 30, 2008 · Amount on File
Deed Document Number2017593445
Prior Transfer DateJul 17, 2008
Prior Transfer Doc0000662514
Record UpdatedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARICOPA AZ
Property Address2227 E SARATOGA ST, GILBERT, AZ 85296-2769
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2227 E SARATOGA ST, GILBERT, AZ 85296-2769

Mortgage

Document Number0001075286
DateNov 5, 2020
Instrument20201075286
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2050

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARICOPA AZ
Property Address2227 E SARATOGA ST, GILBERT, AZ 85296-2769
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000660594
DateAug 26, 2019
Instrument20190660594
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2049

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARICOPA AZ
Recording DateAug 11, 2017
Property Address2227 E SARATOGA ST, GILBERT, AZ 85296-2769
Document Number0000593445
Map ReferenceDOC1996-54321
Instrument DateAug 4, 2017
Instrument2017-0593445
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanySECURITY TITLE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1926 E CARMEN ST, 1926, TEMPE, AZ 85283-4234

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address2227 E SARATOGA ST, GILBERT, AZ 85296-2769

Mortgage

Document Number0000593446
DateAug 11, 2017
Instrument2017-0593446
Lender
NameNOVA FINANCIAL & INVESTMENT CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateArizona
CountyMaricopa County
MunicipalityGilbert Town
Unified School DistrictGilbert Unified District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$46,330 (+92.84%)$463,300 (+5.15%) Land $92,600 Building $370,700
2025$1,819.00 (+2.13%)$24,025 (-48.89%)$440,600 (-6.28%) Land $88,100 Building $352,500
2024$47,010$470,100 Land $94,000 Building $376,100
2023$1,781.00

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot 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 RiskLow
lower than 99.1% of the US · lower than 99.8% of Arizona
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemTOWN OF GILBERT
serves 247,600 people · EPA ID AZ0407092
Water SourceSurface water
Last State InspectionOct 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2017
Treatment and ProcedureTreatment report not submitted
Oct 2017
Monitoring and Reporting53
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 470 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20
CenturyLink
DSL		140 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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