3438 E Palo Verde St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 3438 E Palo Verde St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,197 sqft · built 2011
Lot Size	0.087 acres (3,825 sqft)
Owner	Individual Name on Record
Last Sale	$389,900 (Oct 2020)
Tax Bill	$2,292 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-19-679`

Property Details

APN / Parcel Number

Primary APN	`304-19-679`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,197 sqft Living Area
1st Floor Area	933 sqft
2nd Floor Area	1,264 sqft

Exterior

Year Built	Built 2011
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	3,825 sqft (0.087 acres)
Parking Spaces	2 Parking Spaces
Pool Area	364 sqft
Patio Area	149 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3438 E PALO VERDE ST
City	GILBERT
State	AZ
Zip	85296-1852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	LAKEVIEW TRAILS NORTH AT MORRISON RANCH MCR 818-15
Legal Range	06E
Legal Township	01S
Legal Section	14
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	LAKEVIEW TRAILS NORTH AT MORRISON RANCH
Legal Lot Number	654
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2007
Census Tract	422658

Owner

Source: Maricopa County records, as of November 20, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jan 30, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Prior Sale	Jan 30, 2018 · Amount on Record
Deed Document Number	20200960277
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852

Mortgage

Document Number	0000635046
Date	Aug 11, 2022
Instrument	20220635046

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 8, 2020
Property Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852
Document Number	0000960277
Map Reference	MB 818 PG 15
Instrument Date	Sep 23, 2020
Instrument	20200960277
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SECURITY TITLE AGENCY INC

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	3438 E PALO VERDE ST, 3438, GILBERT, AZ 85296-1852

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852

Mortgage

Document Number	0000960278
Date	Oct 8, 2020
Instrument	20200960278

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 30, 2018
Property Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852
Document Number	0000073401
Map Reference	DOC2009-0916984
Instrument Date	Jan 11, 2018
Instrument	20180073401
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PREMIER TITLE AGENCY

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	3438 E PALO VERDE ST, 3438, GILBERT, AZ 85296-1852

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3438 E PALO VERDE ST, GILBERT, AZ 85296-1852

Mortgage

Document Number	0000073402
Date	Jan 30, 2018
Instrument	20180073402

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

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		$52,780 (+8.44%)	$527,800 (+8.44%) Land $105,500 Building $422,300
2025	$2,292.00 (+3.52%)
2024		$48,670	$486,700 Land $97,300 Building $389,400
2023	$2,214.00

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
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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile.

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