2974 S Cole Dr, Gilbert, AZ 85295 Property Records

Maricopa County property record for 2974 S Cole Dr, Gilbert, AZ 85295

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,997 sqft · built 2006
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Sep 2017)
Tax Bill	$2,325 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`313-10-525`

Property Details

APN / Parcel Number

Primary APN	`313-10-525`
Alternative APN	`313105253`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,997 sqft Living Area
Gross Area	3,102 sqft
1st Floor Area	1,523 sqft
2nd Floor Area	1,474 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	7,710 sqft (0.177 acres)
Parking Spaces	3 Parking Spaces
Pool Area	397 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	2974 S COLE DR
City	GILBERT
State	AZ
Zip	85295-7214
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	6E
Legal Township	1S
Legal Section	35
Legal Subdivision	COOLEY STATION PHASE 2
Legal Phase	2
Legal Lot Number	351
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	1
Census Block	1006
Census Tract	815602

Owner

Source: Maricopa County records, as of March 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2974 S COLE DR, GILBERT, AZ 85295-7214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Mar 24, 2026	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Sep 14, 2017	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Prior Sale	Apr 30, 2009 · Amount on Record
Deed Document Number	2017680075
Prior Transfer Date	Feb 25, 2013
Prior Transfer Doc	0000194933
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2974 S COLE DR, GILBERT, AZ 85295-7214
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 S COLE DR, GILBERT, AZ 85295-7214

Mortgage

Document Number	0000590585
Date	Nov 4, 2024
Instrument	20240590585

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2974 S COLE DR, GILBERT, AZ 85295-7214
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 S COLE DR, GILBERT, AZ 85295-7214

Mortgage

Document Number	0000168567
Date	Mar 24, 2026
Instrument	20260168567

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	5%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 14, 2017
Property Address	2974 S COLE DR, GILBERT, AZ 85295-7214
Document Number	0000680075
Instrument Date	Aug 3, 2017
Instrument	680075
Transaction Type	Transfer
Record Updated	Sep 20, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2974 S COLE DR GILBERT AZ 852957214, GILBERT, AZ 85295-7214

Mortgage

Document Number	680076
Date	Sep 14, 2017
Instrument	680076

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2047

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 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		$58,010 (+84.63%)	$580,100 (+8.29%) Land $116,000 Building $464,100
2025	$2,325.00 (-6.81%)	$31,419 (-44.84%)	$535,700 (-5.95%) Land $107,100 Building $428,600
2024		$56,960	$569,600 Land $113,900 Building $455,700
2023	$2,495.00

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 96% of the US · lower than 99.3% of Arizona
Wildfire Likelihood	Under 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.

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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