346 E Saratoga Ct, Gilbert, AZ 85296 Property Records

Maricopa County property record for 346 E Saratoga Ct, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,376 sqft · built 1994
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Company Names on Record
Last Sale	$645,000 (Jun 2023)
Tax Bill	$1,990 (2025)
Deeds & Mortgages	Feb 2024 Transfer Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-823`

Property Details

APN / Parcel Number

Primary APN	`304-23-823`
Alternative APN	`304238233`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,376 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	1,023 sqft
2nd Floor Area	1,353 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,752 sqft (0.155 acres)
Parking Spaces	3 Parking Spaces
Pool Area	339 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	346 E SARATOGA CT
City	GILBERT
State	AZ
Zip	85296-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	SETTLERS POINT PARCEL C LOT 1-203 TR A-D MCR 357-04
Legal Range	6E
Legal Township	1S
Legal Section	18
Legal Subdivision	SETTLERS POINT PARCEL C LOT 1-203 TR A-D
Legal Lot Number	37
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2011
Census Tract	422404

Owner

Source: Maricopa County records, as of October 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Intrafamily Transfer, Transfer
Jun 16, 2023	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA
Nov 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Oct 6, 2015 · Amount on Record
Deed Document Number	2023315661
Prior Transfer Date	Sep 23, 1994
Prior Transfer Doc	0000705341
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Feb 26, 2024
Property Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235
Document Number	0000094178
Map Reference	MB 357 PG 4
Instrument Date	Feb 26, 2024
Instrument	20240094178
Transaction Type	Transfer
Record Updated	Mar 5, 2024

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
Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 16, 2023
Property Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235
Document Number	0000315661
Map Reference	MB 357 PG 4
Instrument Date	Jun 13, 2023
Instrument	20230315661
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
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	7813 HUNTINGTON LN, SHEPHERD, MT 59079-3605

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235

Mortgage

Document Number	0000315662
Date	Jun 16, 2023
Instrument	20230315662

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235

Mortgage

Document Number	0000813954
Date	Nov 1, 2022
Instrument	20220813954

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	EMPIRE W TITLE AGENCY, EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 E SARATOGA CT, GILBERT, AZ 85296-2235

Mortgage

Document Number	0000144341
Date	Feb 9, 2021
Instrument	20210144341

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Tax Assessment & Valuation

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		$50,830 (+86.07%)	$508,300 (+5.9%) Land $101,600 Building $406,700
2025	$1,990.00 (-0.75%)	$27,318 (-46.17%)	$480,000 (-5.42%) Land $96,000 Building $384,000
2024		$50,750 (+20.49%)	$507,500 (+20.49%) Land $101,500 Building $406,000
2023	$2,005.00 (+3.14%)	$42,120 Land $8,420 Building $33,700	$421,200 Land $84,200 Building $337,000
2022	$1,944.00

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 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	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 703 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 / 500
Arizona Network Fixed Wireless	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Tristate Wi-Fi by Wi-Fiber, Verizon.

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