2823 E Terrace Ave, Gilbert, AZ 85234 Property Records

Maricopa County property record for 2823 E Terrace Ave, Gilbert, AZ 85234

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,204 sqft · built 1998
Lot Size	0.126 acres (5,510 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Nov 2021)
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-08-537`

Property Details

APN / Parcel Number

Primary APN	`304-08-537`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft

Exterior

Year Built	Built 1998
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,510 sqft (0.126 acres)
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	2823 E TERRACE AVE
City	GILBERT
State	AZ
Zip	85234-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	BASELINE/TONE REPLAT MCR 480-28
Legal Range	06E
Legal Township	01S
Legal Section	03
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	BASELINE/TONE REPLAT
Legal Lot Number	20
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1002
Census Tract	422620

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	2823 E TERRACE AVE, GILBERT, AZ 85234-1427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Oct 7, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
May 30, 2017	Intrafamily Transfer, Transfer · Reverse Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2021 · Amount on Record
Deed Sale	Nov 19, 2021 · Amount on Record
Prior Sale	Oct 7, 2020 · Amount on Record
Deed Document Number	20211239590
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 19, 2021
Property Address	2823 E TERRACE AVE, GILBERT, AZ 85234-1427
Document Number	0001239590
Map Reference	MB 480 PG 28
Instrument Date	Nov 17, 2021
Instrument	20211239590
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

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	2823 E TERRACE AVE, 2823, GILBERT, AZ 85234-1427

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2823 E TERRACE AVE, GILBERT, AZ 85234-1427

Mortgage

Document Number	0001239591
Date	Nov 19, 2021
Instrument	20211239591

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 7, 2020
Property Address	2823 E TERRACE AVE, GILBERT, AZ 85234-1427
Document Number	0000954565
Map Reference	MB 453 PG 6
Instrument Date	Sep 29, 2020
Instrument	20200954565
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PREMIER TITLE AGENCY

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	1304 S 105TH PL # PL2056, 1304, MESA, AZ 85209-3817

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2823 E TERRACE AVE, GILBERT, AZ 85234-1427

Mortgage

Document Number	0000954566
Date	Oct 7, 2020
Instrument	20200954566

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	May 30, 2017
Property Address	2823 E TERRACE AVE, GILBERT, AZ 85234-1427
Document Number	0000390080
Map Reference	MB 453 PG 6
Instrument Date	May 19, 2017
Instrument	2017-0390080
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PIONEER TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2823 E TERRACE AVE, GILBERT, AZ 85234-1427

Mortgage

Document Number	0000390081
Date	May 30, 2017
Instrument	2017-0390081

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$35,250 (-0.09%)	$352,500 (-0.09%) Land $70,500 Building $282,000
2025	$1,271.00 (+3.17%)
2024		$35,280	$352,800 Land $70,500 Building $282,300
2023	$1,232.00

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1999 · Severe Storms, Flooding, High Winds

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	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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

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

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