2974 S Roca St, Gilbert, AZ 85295 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,398 sqft · built 2003
Lot Size	0.185 acres (8,077 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Jul 2024)
Tax Bill	$2,550 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-45-263`

Property Details

APN / Parcel Number

Primary APN	`304-45-263`
Alternative APN	`304452632`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,398 sqft Living Area
Gross Area	2,581 sqft
1st Floor Area	2,398 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	8,077 sqft (0.185 acres)
Parking Spaces	3 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2974 S ROCA ST
City	GILBERT
State	AZ
Zip	85295-1717
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	6E
Legal Township	1S
Legal Section	32
Legal Subdivision	SPECTRUM AT VAL VISTA PARCEL 18
Legal Lot Number	49
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	3
Census Block	3008
Census Tract	815402

Owner

Source: Maricopa County records, as of July 2, 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 ROCA ST, GILBERT, AZ 85295-1717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NEW WAVE LENDING GROUP INC
Jul 26, 2024	Warranty Deed, Transfer · Conventional Mortgage NEW WAVE LENDING GROUP INC
Jul 16, 2020	Warranty Deed, Transfer · Conventional with PMI USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on Record
Deed Sale	Jul 26, 2024 · Amount on Record
Prior Sale	Jul 16, 2020 · Amount on Record
Deed Document Number	2024397700
Last Transfer Date	Apr 4, 2026
Transfer Doc	0000216350
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 13, 2026
Property Address	2974 S ROCA ST, GILBERT, AZ 85295-1717
Document Number	0000216350
Instrument Date	Apr 4, 2026
Instrument	2026216350
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2974 S ROCA ST, GILBERT, AZ 85295-1717

Mortgage

Document Number	0000216351,
Date	Apr 13, 2026
Instrument	2026216351

Lender

Name	NEW WAVE LENDING GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 26, 2024
Property Address	2974 S ROCA ST, GILBERT, AZ 85295-1717
Document Number	0000397700
Map Reference	MB 573 PG 41
Instrument Date	Jul 1, 2024
Instrument	20240397700
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	GRECO TITLE AGENCY LLC, GROUP TITLE AGENCY LLC

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	2974 S ROCA ST, GILBERT, AZ 85295-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 S ROCA ST, GILBERT, AZ 85295-1717

Mortgage

Document Number	0000397701
Date	Jul 26, 2024
Instrument	20240397701

Lender

Name	NEW WAVE LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 16, 2020
Property Address	2974 S ROCA ST, GILBERT, AZ 85295-1717
Document Number	0000638185
Instrument Date	Jul 7, 2020
Instrument	638185
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
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 ROCA ST GILBERT AZ 852951717, GILBERT, AZ 85295-1717

Mortgage

Document Number	638186
Date	Jul 16, 2020
Instrument	638186

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2050

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	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,530 (+63.75%)	$545,300 (+6.96%) Land $109,000 Building $436,300
2025	$2,550.00 (+3.16%)	$33,300 (-39.79%)	$509,800 (-7.83%) Land $101,900 Building $407,900
2024		$55,310	$553,100 Land $110,600 Building $442,500
2023	$2,472.00

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
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

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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