3106 S Roca St, Gilbert, AZ 85295 Property Records

Maricopa County property record for 3106 S Roca St, Gilbert, AZ 85295

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,457 sqft · built 2005
Lot Size	0.1 acres (4,365 sqft)
Owner	Individual Name on File
Last Sale	$289,500 (Sep 2007)
Tax Bill	$1,903 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2020 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-46-056`

Property Details

APN / Parcel Number

Primary APN	`304-46-056`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,457 sqft Living Area
1st Floor Area	1,169 sqft
2nd Floor Area	1,288 sqft

Exterior

Year Built	Built 2005
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	4,365 sqft (0.1 acres)
Parking Spaces	2 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3106 S ROCA ST
City	GILBERT
State	AZ
Zip	85295-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	SPECTRUM AT VAL VISTA PARCEL 22 MCR 691-35
Legal Range	06E
Legal Township	01S
Legal Section	32
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	SPECTRUM AT VAL VISTA PARCEL 22
Legal Lot Number	35
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2000
Census Tract	815402

Owner

3106 S Roca St is owned and occupied by an individual who bought it in September 2007.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3106 S ROCA ST, GILBERT, AZ 85295-1768
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
Jun 15, 2020	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Aug 26, 2020	Deed of Trust, Mortgage · Line of Credit ARIZONA FCU
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 6, 2021	Deed of Trust, Mortgage · VA Mortgage CAPITAL BANK NA
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2007 · Amount on File
Deed Sale	Sep 6, 2007 · Amount on File
Prior Sale	Dec 30, 2005 · Amount on File
Deed Document Number	20070994863
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3106 S ROCA ST, GILBERT, AZ 85295-1768
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000518836
Date	Jun 15, 2020
Instrument	20200518836

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3106 S ROCA ST, GILBERT, AZ 85295-1768
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000788148
Date	Aug 26, 2020
Instrument	20200788148

Lender

Name	ARIZONA FCU
Type	Credit Union
Address	PHOENIX, AZ 85008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3106 S ROCA ST, GILBERT, AZ 85295-1768
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000353487
Date	Mar 30, 2021
Instrument	20210353487

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3106 S ROCA ST, GILBERT, AZ 85295-1768
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 S ROCA ST, GILBERT, AZ 85295-1768

Mortgage

Document Number	0000853147
Date	Aug 6, 2021
Instrument	20210853147

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3106 S ROCA ST, GILBERT, AZ 85295-1768
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 S ROCA ST, GILBERT, AZ 85295-1768

Mortgage

Document Number	0000411539
Date	May 11, 2022
Instrument	20220411539

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3106 S Roca St was $1,903.

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		$44,820	$448,200 Land $89,600 Building $358,600
2025	$1,903.00
2024		$45,280	$452,800 Land $90,500 Building $362,300
2023	$1,845.00

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 3106 S Roca St 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

The area around 3106 S Roca St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 500
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: AirFiber WISP, Verizon.

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