245 S Joan Ln, Gilbert, AZ 85296 Property Records

Maricopa County property record for 245 S Joan Ln, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,862 sqft · built 1997
Lot Size	0.374 acres (16,313 sqft)
Owner	Individual Name on Record
Last Sale	$522,000 (Mar 2019)
Tax Bill	$3,944 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-21-648`

Property Details

APN / Parcel Number

Primary APN	`304-21-648`

Interior

Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,862 sqft Living Area
1st Floor Area	2,952 sqft
Basement Area	910 sqft

Exterior

Year Built	Built 1997
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	16,313 sqft (0.374 acres)
Parking Spaces	4 Parking Spaces
Pool Area	400 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	245 S JOAN LN
City	GILBERT
State	AZ
Zip	85296-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	PARKSIDE AT FINLEY FARMS UNIT 2 MCR 387/1
Legal Range	06E
Legal Township	01S
Legal Section	16
Legal Quarter	NE
Quarter-Quarter Section	SW
Legal Subdivision	PARKSIDE AT FINLEY FARMS UNIT 2
Legal Lot Number	89
Legal Unit	2
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1009
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
Co-owner	Co-owner on Record
Mailing Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2017	Deed of Trust, Mortgage · Line of Credit ARIZONA FCU
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 20, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 7, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG
Feb 4, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	Feb 7, 2017
Deed Document Number	20190191813
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157676
Date	Mar 6, 2017
Instrument	2017-0157676

Lender

Name	ARIZONA FCU
Type	Credit Union
Address	PHOENIX, AZ 85008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EMPIRE WEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 S JOAN LN, GILBERT, AZ 85296-2105

Mortgage

Document Number	0001177394
Date	Dec 1, 2020
Instrument	20201177394

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 20, 2019
Property Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Document Number	0000191813
Map Reference	MB 387 PG 1
Instrument Date	Mar 14, 2019
Instrument	20190191813
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	JETCLOSING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	245 S JOAN LN, 245, GILBERT, AZ 85296-2105

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Investor	Possibly a Property Investor

Mortgage

Document Number	0000191814
Date	Mar 20, 2019
Instrument	20190191814

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Feb 7, 2017
Property Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Document Number	0000092362
Instrument Date	Feb 6, 2017
Instrument	92362
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	245 S JOAN LN GILBERT AZ 852962105, GILBERT, AZ 85296-2105

Mortgage

Document Number	92364
Date	Feb 7, 2017
Instrument	92364

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2047

Mortgage

Document Number	92365,
Date	Feb 7, 2017
Instrument	92365

Lender

Name	MICHAEL HEATH
Address	222 E AMADO RD, PALM SPRINGS, CA 92262-6444

Agreement

Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	245 S JOAN LN, GILBERT, AZ 85296-2105
Document Number	0000103673
Instrument Date	Feb 4, 2017
Transaction Type	Mortgage
Record Updated	Feb 17, 2017
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	245 S JOAN LN GILBERT AZ 852962105, GILBERT, AZ 85296-2105

Mortgage

Document Number	0000103673
Date	Feb 10, 2017
Instrument	103673

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

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		$85,150 (-1%)	$851,500 (-1%) Land $170,300 Building $681,200
2025	$3,944.00 (-3.24%)
2024		$86,010	$860,100 Land $172,000 Building $688,100
2023	$4,076.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2014 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 296 locations within half a mile, as of December 31, 2025

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

May also be available: Tristate Wi-Fi by Wi-Fiber, Verizon.

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