3122 E Cotton Ln, Gilbert, AZ 85234 Property Records

Maricopa County property record for 3122 E Cotton Ln, Gilbert, AZ 85234

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,105 sqft · built 2001
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on File
Last Sale	$659,999 (Dec 2025)
Tax Bill	$2,649 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`304-14-919`

Property Details

APN / Parcel Number

Primary APN	`304-14-919`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,105 sqft Living Area
1st Floor Area	2,105 sqft

Exterior

Year Built	Built 2001
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	10,200 sqft (0.234 acres)
Parking Spaces	3 Parking Spaces
Pool Area	422 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3122 E COTTON LN
City	GILBERT
State	AZ
Zip	85234-6394
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	HIGLEY GROVES WEST MCR 510-15
Legal Range	06E
Legal Township	01S
Legal Section	10
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	HIGLEY GROVES WEST
Legal Lot Number	345
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2027
Census Tract	422656

Owner

Source: Maricopa County records · APN 304-14-919

Assessment roll updated January 1, 2025 · Last verified January 2026

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	3122 E COTTON LN, GILBERT, AZ 85234-6394
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Jun 14, 2007 · Amount on Record
Deed Document Number	20250754263
Record Updated	Jun 08, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 31, 2025
Property Address	3122 E COTTON LN, GILBERT, AZ 85234-6394
Document Number	0000754263
Map Reference	MB 510 PG 15
Instrument Date	Dec 10, 2025
Instrument	20250754263
Transaction Type	Transfer
Record Updated	Jan 09, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

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	3976 S HOLLYHOCK PL, CHANDLER, AZ 85248-4193

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3122 E COTTON LN, GILBERT, AZ 85234-6394

Mortgage

Document Number	0000754264
Date	Dec 31, 2025
Instrument	20250754264

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Maricopa County records · Assessment roll updated January 1, 2025 · Last verified January 2026

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		$58,810 (+2.1%)	$588,100 (+2.1%) Land $117,600 Building $470,500
2025	$2,649.00 (+3.11%)
2024		$57,600	$576,000 Land $115,200 Building $460,800
2023	$2,569.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Oct 2025 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Lumen Technologies DSL	140 / 20

Based on FCC filings for 452 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF GILBERT serves 247,600 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.