Maricopa County property record for 2538 E Saratoga St, Gilbert, AZ 85296
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,242 sqft · built 1998 |
| Lot Size | 0.284 acres (12,397 sqft) |
| Owner | Individual Name on File |
| Last Sale | $407,000 (Apr 2017) |
| Tax Bill | $2,914 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2022 Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 304-27-583 |
| Primary APN | 304-27-583 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,242 sqft Living Area |
| 1st Floor Area | 1,686 sqft |
| 2nd Floor Area | 1,556 sqft |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Concrete Tile |
| Lot Area | 12,397 sqft (0.284 acres) |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
| Patio Area | 250 sqft |
| Cooling System | Refrigeration |
|---|---|
| Heating System | HVAC |
| Street Address | 2538 E SARATOGA ST |
|---|---|
| City | GILBERT |
| State | AZ |
| Zip | 85296-9523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-7 |
| Legal Description | GREENFIELD LAKES PARCEL 2 UNIT 2 MCR 431-22 |
| Legal Range | 06E |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Quarter | SW |
| Quarter-Quarter Section | NW |
| Legal Subdivision | GREENFIELD LAKES PARCEL 2 UNIT 2 |
| Legal Lot Number | 81 |
| Legal Unit | 2 |
| Jurisdiction | MARICOPA AZ |
| Township / Civil Division | PHOENIX |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 422656 |
2538 E Saratoga St is owned and occupied by an individual who bought it in April 2017.
Source: Maricopa County records, as of November 20, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN AMERICA FCU |
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN AMERICA FCU |
| Jul 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Jun 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA |
| Apr 6, 2017 | Warranty Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2017 · Amount on File |
| Deed Sale | Apr 6, 2017 · Amount on File |
| Prior Sale | Jul 18, 2003 · Amount on File |
| Deed Document Number | 20170243093 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | EQUITY TITLE COMPANY, EQUITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001007778 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 20211007778 |
| Name | MOUNTAIN AMERICA FCU |
|---|---|
| Type | Credit Union |
| Address | SANDY, UT 84070 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Sep 20, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | PEOPLES TITLES INC, PIONEER TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Document Number | 0000306866 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 20220306866 |
| Name | MOUNTAIN AMERICA FCU |
|---|---|
| Type | Credit Union |
| Address | WEST JORDAN, UT 84084 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | CHICAGO TITLE AGENCY/NV INC, CHICAGO TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Document Number | 0000402059 |
|---|---|
| Date | Jul 14, 2025 |
| Instrument | 20250402059 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | EMPIRE WEST TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Document Number | 0000449568 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 20190449568 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | EMPIRE WEST TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000393256 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 20200393256 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Recording Date | Apr 6, 2017 |
| Property Address | 2538 E SARATOGA ST, GILBERT, AZ 85296-9523 |
| Document Number | 0000243093 |
| Instrument Date | Apr 3, 2017 |
| Instrument | 243093 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2017 |
| Title Company | SECURITY TITLE COMPANY, SECURITY TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 2538 E SARATOA ST GILBERT AZ 85296, GILBERT, AZ 85296 |
| Document Number | 243094 |
|---|---|
| Date | Apr 6, 2017 |
| Instrument | 243094 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | EAST BRUNSWICK, NJ 08816 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2047 |
The 2025 property tax bill for 2538 E Saratoga St was $2,914.
Source: Maricopa County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Maricopa County |
| Municipality | Gilbert Town |
| Unified School District | Gilbert Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,270 | $642,700 Land $128,500 Building $514,200 | |
| 2025 | $2,914.00 | ||
| 2024 | $65,130 | $651,300 Land $130,200 Building $521,100 | |
| 2023 | $2,827.00 |
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.
FEMA maps place 2538 E Saratoga St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 11 in force |
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 risk around 2538 E Saratoga St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 99.3% of Arizona |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025
| Provider | Max 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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