281 S Banning Ct, Gilbert, AZ 85296 Property Records

Maricopa County property record for 281 S Banning Ct, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,757 sqft · built 1999
Lot Size	0.485 acres (21,148 sqft)
Owner	Trust Name on File
Last Sale	$70,000 (Jul 1998)
Tax Bill	$4,309 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Aug 2020 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`304-20-123`

Property Details

APN / Parcel Number

Primary APN	`304-20-123`

Interior

Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,757 sqft Living Area
1st Floor Area	2,757 sqft

Exterior

Year Built	Built 1999
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	21,148 sqft (0.485 acres)
Parking Spaces	3 Parking Spaces
Pool Area	437 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	281 S BANNING CT
City	GILBERT
State	AZ
Zip	85296-9435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	CIRCLE G AT HIGHLANDS WEST MCR 455-27
Legal Range	06E
Legal Township	01S
Legal Section	15
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Subdivision	CIRCLE G AT HIGHLANDS WEST
Legal Lot Number	81
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1011
Census Tract	422656

Owner

281 S Banning Ct is owner-occupied and held in a trust since June 2016.

Source: Maricopa County records, as of November 20, 2025

Owner of Record	Trust Name on File
Mailing Address	281 S BANNING CT, GILBERT, AZ 85296-9435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 1998 · Amount on File
Deed Sale	Jul 7, 1998 · Amount on File
Prior Sale	Jun 10, 2016
Deed Document Number	0000581445
Deed Book / Page	304
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	281 S BANNING CT, GILBERT, AZ 85296-9435
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000004
Date	Jan 4, 2021
Instrument	20210000004

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	281 S BANNING CT, GILBERT, AZ 85296-9435
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 29232, PHOENIX, AZ 85038-9232

Mortgage

Document Number	0000807030
Date	Aug 31, 2020
Instrument	20200807030

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 281 S Banning Ct was $4,309.

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		$92,650	$926,500 Land $185,300 Building $741,200
2025	$4,309.00
2024		$98,510	$985,100 Land $197,000 Building $788,100
2023	$4,154.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 281 S Banning Ct in Zone X, an area of moderate flood risk.

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

Wildfire risk around 281 S Banning Ct is low, with less than 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 99.1% of the US · lower than 99.8% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
CenturyLink Fiber	2,000 / 1,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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