2986 S Roca St, Gilbert, AZ 85295 Property Records

Maricopa County property record for 2986 S Roca St, Gilbert, AZ 85295 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,382 sqft · built 2004
Lot Size	0.177 acres (7,735 sqft)
Owner	Individual Name on File
Last Sale	$645,000 (Apr 2023)
Tax Bill	$2,778 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-45-261`

Property Details

APN / Parcel Number

Primary APN	`304-45-261`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,382 sqft Living Area
1st Floor Area	2,382 sqft

Exterior

Year Built	Built 2004
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,735 sqft (0.177 acres)
Parking Spaces	3 Parking Spaces
Pool Area	378 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	2986 S ROCA ST
City	GILBERT
State	AZ
Zip	85295-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
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	NE
Legal Subdivision	SPECTRUM AT VAL VISTA PARCEL 18
Legal Lot Number	47
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	3
Census Block	3008
Census Tract	815402

Owner

Source: Maricopa County records · APN 304-45-261

Assessment roll updated January 1, 2025 · Last verified November 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2986 S ROCA ST, GILBERT, AZ 85295-1717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 09, 2022	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Apr 14, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 17, 2022	Intrafamily Transfer, Transfer EMPIRE W TITLE AGENCY, EMPIRE TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Nov 17, 2022
Deed Document Number	20230192118
Record Updated	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2986 S ROCA ST, GILBERT, AZ 85295-1717
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 S ROCA ST, GILBERT, AZ 85295-1717

Mortgage

Document Number	0000883811
Date	Dec 09, 2022
Instrument	20220883811

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	SANDY, UT 84070

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 14, 2023
Property Address	2986 S ROCA ST, GILBERT, AZ 85295-1717
Document Number	0000192118
Map Reference	MB 573 PG 41
Instrument Date	Apr 12, 2023
Instrument	20230192118
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	EMPIRE W TITLE AGENCY, EMPIRE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1001 E BENRICH DR, GILBERT, AZ 85295-8352

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2986 S ROCA ST, GILBERT, AZ 85295-1717

Mortgage

Document Number	0000192119
Date	Apr 14, 2023
Instrument	20230192119

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Nov 17, 2022
Property Address	2986 S ROCA ST, GILBERT, AZ 85295-1717
Document Number	0000843787
Map Reference	MB 573 PG 41
Instrument Date	Nov 16, 2022
Instrument	20220843787
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	EMPIRE W TITLE AGENCY, EMPIRE TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1001 E BENRICH DR, GILBERT, AZ 85295-8352

Tax Assessment & Valuation

Source: Maricopa County records · Assessment roll updated January 1, 2025 · Last verified November 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,920 (-0.91%)	$589,200 (-0.91%) Land $117,800 Building $471,400
2025	$2,778.00 (+3.16%)
2024		$59,460	$594,600 Land $118,900 Building $475,700
2023	$2,693.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Maricopa County (04013C), updated October 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 040138154023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 477 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Lumen Technologies	DSL	140 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Lumen Technologies, Verizon, AirFiber WISP, WeLink Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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