2974 S Colonial St, Gilbert, AZ 85295 Property Records

Maricopa County property record for 2974 S Colonial St, Gilbert, AZ 85295

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,093 sqft · built 2005
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$643,000 (Jan 2024)
Tax Bill	$2,513 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2024 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-45-249`

Property Details

APN / Parcel Number

Primary APN	`304-45-249`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,093 sqft Living Area
1st Floor Area	2,093 sqft

Exterior

Year Built	Built 2005
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,841 sqft (0.18 acres)
Parking Spaces	2 Parking Spaces
Pool Area	291 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	2974 S COLONIAL ST
City	GILBERT
State	AZ
Zip	85295-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	SPECTRUM AT VAL VISTA PARCEL 18 MCR 573-41
Legal Range	06E
Legal Township	01S
Legal Section	32
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	SPECTRUM AT VAL VISTA PARCEL 18
Legal Lot Number	35
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	3
Census Block	3000
Census Tract	815402

Owner

2974 S Colonial St is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK
Nov 5, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 25, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2024 · Amount on File
Deed Sale	Jan 25, 2024 · Amount on File
Prior Sale	Dec 12, 2005 · Amount on File
Deed Document Number	20240038725
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712

Mortgage

Document Number	0001005767
Date	Sep 17, 2021
Instrument	20211005767

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712

Mortgage

Document Number	0000591758
Date	Nov 5, 2024
Instrument	20240591758

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 25, 2024
Property Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712
Document Number	0000038725
Map Reference	MB 573 PG 41
Instrument Date	Jan 24, 2024
Instrument	20240038725
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount 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	2974 S COLONIAL ST, GILBERT, AZ 85295-1712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2974 S COLONIAL ST, GILBERT, AZ 85295-1712

Mortgage

Document Number	0000038726
Date	Jan 25, 2024
Instrument	20240038726

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 2974 S Colonial St was $2,513.

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		$54,410	$544,100 Land $108,800 Building $435,300
2025	$2,513.00
2024		$54,930 (+20.43%)	$549,300 (+20.43%) Land $109,800 Building $439,500
2023	$2,436.00 (+3.09%)	$45,610 Land $9,120 Building $36,490	$456,100 Land $91,200 Building $364,900
2022	$2,363.00

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

FEMA maps place 2974 S Colonial St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 2974 S Colonial St 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 99.8% 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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: AirFiber WISP, Verizon, WeLink Communications.

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