2872 S Arroyo Ln, Gilbert, AZ 85295 Property Records

Maricopa County property record for 2872 S Arroyo Ln, Gilbert, AZ 85295

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,355 sqft · built 2007
Lot Size	0.124 acres (5,417 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Oct 2019)
Tax Bill	$1,314 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2024 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`313-10-672`

Property Details

APN / Parcel Number

Primary APN	`313-10-672`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,355 sqft Living Area
1st Floor Area	1,355 sqft

Exterior

Year Built	Built 2007
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,417 sqft (0.124 acres)
Parking Spaces	2 Parking Spaces
Patio Area	137 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	2872 S ARROYO LN
City	GILBERT
State	AZ
Zip	85295-7241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	COOLEY STATION PHASE 2 MCR 757-42
Legal Range	06E
Legal Township	01S
Legal Section	35
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	COOLEY STATION PHASE 2
Legal Phase	2
Legal Lot Number	498
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	1
Census Block	1011
Census Tract	815602

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
Mailing Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 2, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 29, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2019 · Amount on Record
Deed Sale	Oct 16, 2019 · Amount on Record
Prior Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	20190825555
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241

Mortgage

Document Number	0001311665
Date	Dec 10, 2021
Instrument	20211311665

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, 2052

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241

Mortgage

Document Number	0000193454
Date	Apr 15, 2024
Instrument	20240193454

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	AMERICAN TITLE COMPANY, AMER TITLE SVC AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241

Mortgage

Document Number	0000383236
Date	Jul 2, 2025
Instrument	20250383236

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409918
Date	May 13, 2020
Instrument	20200409918

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 16, 2019
Property Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Document Number	0000825555
Map Reference	MB 757 PG 42
Instrument Date	Oct 7, 2019
Instrument	20190825555
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	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241

Mortgage

Document Number	0000825556
Date	Oct 16, 2019
Instrument	20190825556

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 29, 2019
Property Address	2872 S ARROYO LN, GILBERT, AZ 85295-7241
Document Number	0000673555
Instrument Date	Aug 7, 2019
Instrument	673555
Transaction Type	Transfer
Record Updated	Sep 5, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$256.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

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	Higley Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,720 (+0.25%)	$367,200 (+0.25%) Land $73,400 Building $293,800
2025	$1,314.00 (-6.74%)
2024		$36,630	$366,300 Land $73,200 Building $293,100
2023	$1,409.00

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% 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 715 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

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