3445 E Palo Verde St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 3445 E Palo Verde St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,538 sqft · built 2011
Lot Size	0.087 acres (3,825 sqft)
Owner	Individual Name on Record
Last Sale	$512,000 (Jul 2021)
Tax Bill	$2,986 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2019 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`304-19-686`

Property Details

APN / Parcel Number

Primary APN	`304-19-686`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,538 sqft Living Area
1st Floor Area	1,206 sqft
2nd Floor Area	1,332 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
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3445 E PALO VERDE ST
City	GILBERT
State	AZ
Zip	85296-1851
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	661
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2009
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
Mailing Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE SERVICES INC FN
Jul 26, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY INC
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 29, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	20210808348
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	PINNACLE TITLE AGENCY, PINNACLE T&E AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851

Mortgage

Document Number	0000724974
Date	Sep 21, 2022
Instrument	20220724974

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	SECURITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000688452
Date	Sep 4, 2019
Instrument	20190688452

Lender

Name	SIERRA PACIFIC MORTGAGE SERVICES INC FN
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jul 26, 2021
Property Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Document Number	0000808349
Map Reference	MB 818 PG 15
Instrument Date	Jul 23, 2021
Instrument	20210808349
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY INC

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	Separate Estate/Property
Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 26, 2021
Property Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Document Number	0000808348
Map Reference	MB 818 PG 15
Instrument Date	Jul 20, 2021
Instrument	20210808348
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY 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	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851

Mortgage

Document Number	0000808350
Date	Jul 26, 2021
Instrument	20210808350

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 30, 2020
Property Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Document Number	0000081720
Map Reference	DOC 2009-0916984
Instrument Date	Jan 21, 2020
Instrument	20200081720
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	JETCLOSING 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	3445 E PALO VERDE ST, 3445, GILBERT, AZ 85296-1851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851

Mortgage

Document Number	0000081721
Date	Jan 30, 2020
Instrument	20200081721

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 29, 2017
Property Address	3445 E PALO VERDE ST, GILBERT, AZ 85296-1851
Document Number	0000968225
Instrument Date	Dec 7, 2017
Instrument	968225
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3445 E PALO VERDE ST GILBERT AZ 852961851, GILBERT, AZ 85296-1851

Mortgage

Document Number	968226
Date	Dec 29, 2017
Instrument	968226

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

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		$53,710 (+4.35%)	$537,100 (+4.35%) Land $107,400 Building $429,700
2025	$2,986.00 (+24.36%)
2024		$51,470	$514,700 Land $102,900 Building $411,800
2023	$2,401.00

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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