Maricopa County property record for 2912 E Cotton Ln, Gilbert, AZ 85234
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,898 sqft · built 2002 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $495,000 (Oct 2018) |
| Tax Bill | $3,413 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2019 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 304-14-905 |
| Primary APN | 304-14-905 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,898 sqft Living Area |
| 1st Floor Area | 2,898 sqft |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Concrete Tile |
| Lot Area | 10,200 sqft (0.234 acres) |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 400 sqft |
| Patio Area | 216 sqft |
| Cooling System | Refrigeration |
|---|---|
| Heating System | HVAC |
| Street Address | 2912 E COTTON LN |
|---|---|
| City | GILBERT |
| State | AZ |
| Zip | 85234-6392 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | HIGLEY GROVES WEST MCR 510-15 |
| Legal Range | 06E |
| Legal Township | 01S |
| Legal Section | 10 |
| Legal Quarter | SE |
| Quarter-Quarter Section | SW |
| Legal Subdivision | HIGLEY GROVES WEST |
| Legal Lot Number | 331 |
| Jurisdiction | MARICOPA AZ |
| Township / Civil Division | PHOENIX |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 422656 |
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 | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Oct 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2018 · Amount on Record |
| Deed Sale | Oct 24, 2018 · Amount on Record |
| Prior Sale | Feb 14, 2013 |
| Deed Document Number | 20180795580 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2021 |
| Title Company | CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ |
| Name | Verified Name |
|---|---|
| Address | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Document Number | 0000696491 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 20210696491 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Document Number | 0000493335 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 20190493335 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SPOKANE, WA 99201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Recording Date | Oct 24, 2018 |
| Property Address | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Document Number | 0000795580 |
| Map Reference | MB 510 PG 15 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 20180795580 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | CLEAR TITLE AGENCY OF ARIZON |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 N EAGLE CV, 320, IVINS, UT 84738-6692 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 2912 E COTTON LN, GILBERT, AZ 85234-6392 |
| Document Number | 0000795581 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | 20180795581 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
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 | $68,580 (+2.08%) | $685,800 (+2.08%) Land $137,100 Building $548,700 | |
| 2025 | $3,413.00 (+3.9%) | ||
| 2024 | $67,180 | $671,800 Land $134,300 Building $537,500 | |
| 2023 | $3,285.00 |
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.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Oct 2025 · Severe Storms And Flooding |
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.
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.
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 452 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 140 / 20 |
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