3104 S Lois Ln, Gilbert, AZ 85295 Property Records

Maricopa County property record for 3104 S Lois Ln, Gilbert, AZ 85295

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,194 sqft · built 2005
Lot Size	0.091 acres (3,977 sqft)
Owner	Individual Name on File
Last Sale	$499,000 (Jun 2026)
Tax Bill	$1,704 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-45-902`

Property Details

APN / Parcel Number

Primary APN	`304-45-902`
Alternative APN	`304459025`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,194 sqft Living Area
Gross Area	2,314 sqft
1st Floor Area	1,104 sqft
2nd Floor Area	1,090 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	3,977 sqft (0.091 acres)
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3104 S LOIS LN
City	GILBERT
State	AZ
Zip	85295-8339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	SPECTRUM AT VAL VISTA PAR 20 VARIOUS LOTS REPLAT MCR 669-45
Legal Range	6E
Legal Township	1S
Legal Section	32
Legal Subdivision	SPECTRUM AT VAL VISTA PAR 20 VARIOUS LOT
Legal Tract	18
Legal Lot Number	111
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2000
Census Tract	815402

Owner

3104 S Lois Ln is owned by an individual who bought it in June 2026.

Source: Maricopa County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	2880 E BINNER DR, CHANDLER, AZ 85225-3006
Owner Type	Individual
Vesting	Unmarried Woman

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
Jun 26, 2026	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC
Jun 2, 2021	Intrafamily Transfer, Transfer
Oct 8, 2019	Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC
Oct 8, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Oct 8, 2019 · Amount on File
Deed Document Number	2026384248
Prior Transfer Date	Jun 2, 2021
Prior Transfer Doc	0000608399
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 26, 2026
Property Address	3104 S LOIS LN, GILBERT, AZ 85295-8339
Document Number	0000384248
Instrument Date	Jun 19, 2026
Instrument	2026384248
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	SERVICE TITLE AGENCY, AMERICAN TITLE SERVICE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2880 E BINNER DR, CHANDLER, AZ 85225-3006

Mortgage

Document Number	0000384249,
Date	Jun 26, 2026
Instrument	2026384249

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3104 S LOIS LN, GILBERT, AZ 85295-8339
Transaction Type	Mortgage
Record Updated	Apr 28, 2022
Title Company	PREMIER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 S LOIS LN, GILBERT, AZ 85295-8339

Mortgage

Document Number	0001131624
Date	Nov 18, 2020
Instrument	20201131624

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jun 2, 2021
Property Address	3104 S LOIS LN, GILBERT, AZ 85295-8339
Document Number	0000608399
Map Reference	MB 669 PG 45
Instrument Date	Jun 1, 2021
Instrument	20210608399
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	3104 S LOIS LN, GILBERT, AZ 85295-8339

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 8, 2019
Property Address	3104 S LOIS LN, GILBERT, AZ 85295-8339
Document Number	0000799633
Map Reference	MB 669 PG 45
Instrument Date	Sep 27, 2019
Instrument	20190799633
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Trustee Sale Arm's Length Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4477 E JESSE ST, 4477, GILBERT, AZ 85295-0053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 S LOIS LN, GILBERT, AZ 85295-8339

Mortgage

Document Number	0000799635
Date	Oct 8, 2019
Instrument	20190799635

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 8, 2019
Property Address	3104 S LOIS LN, GILBERT, AZ 85295-8339
Document Number	0000799634
Instrument Date	Aug 26, 2019
Instrument	799634
Transaction Type	Transfer
Record Updated	Oct 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3104 S LOIS LN GILBERT AZ 852958339, GILBERT, AZ 85295-8339

Tax Assessment & Valuation

The 2025 property tax bill for 3104 S Lois Ln was $1,704.

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		$44,560 (+77.28%)	$445,600 (+6.58%) Land $89,100 Building $356,500
2025	$1,704.00	$25,135 (-44.82%)	$418,100 (-8.21%) Land $83,600 Building $334,500
2024		$45,550 (+21.4%)	$455,500 (+21.4%) Land $91,100 Building $364,400
2023		$37,520 Land $7,500 Building $30,020	$375,200 Land $75,000 Building $300,200

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 3104 S Lois Ln in Zone X, an area of moderate flood risk.

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 5 (25% premium discount)
Nearby Flood Policies	5 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 3104 S Lois Ln 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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