361 E Saratoga Ct, Gilbert, AZ 85296 Property Records

Maricopa County property record for 361 E Saratoga Ct, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,582 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,900 (Aug 2017)
Tax Bill	$2,277 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-828`

Property Details

APN / Parcel Number

Primary APN	`304-23-828`
Alternative APN	`304238280`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,582 sqft Living Area
Gross Area	2,732 sqft
1st Floor Area	1,574 sqft
2nd Floor Area	1,008 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	10,890 sqft (0.25 acres)
Parking Spaces	2 Parking Spaces
Pool Area	400 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	361 E SARATOGA CT
City	GILBERT
State	AZ
Zip	85296-2236
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 Tract	A
Legal Lot Number	42
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2011
Census Tract	422404

Owner

Source: Maricopa County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit BBVA USA
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Aug 6, 2019	Deed of Trust, Mortgage · Conventional with PMI BAY EQUITY
Aug 10, 2017	Warranty Deed, Transfer · Conventional with PMI BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2017 · Amount on Record
Deed Sale	Aug 10, 2017 · Amount on Record
Prior Sale	Mar 19, 2014 · Amount on Record
Deed Document Number	2017588329
Prior Transfer Date	Jun 26, 2007
Prior Transfer Doc	0000739131
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236

Mortgage

Document Number	0000025411
Date	Jan 15, 2026
Instrument	20260025411

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236

Mortgage

Document Number	0000873247
Date	Aug 12, 2021
Instrument	20210873247

Lender

Name	BBVA USA
Type	Bank
Address	GILBERT, AZ 85296

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 30, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236
Document Number	0000718184
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	EQUITY NATIONAL TITLE AND CLOSING, EQUITY NAT'L TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	361 E SARATOGA CT GILBERT AZ 852962236, GILBERT, AZ 85296-2236

Mortgage

Document Number	0000718184
Date	Aug 7, 2020
Instrument	718184

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236
Document Number	0000617054
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	361 E SARATOGA CT GILBERT AZ 852962236, GILBERT, AZ 85296-2236

Mortgage

Document Number	0000617054
Date	Aug 12, 2019
Instrument	617054

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 10, 2017
Property Address	361 E SARATOGA CT, GILBERT, AZ 85296-2236
Document Number	0000588329
Instrument Date	Jul 25, 2017
Instrument	588329
Transaction Type	Transfer
Record Updated	Aug 15, 2017
Title Company	PRINCIPAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.00
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	361 E SARATOGA CT GILBERT AZ 852962236, GILBERT, AZ 85296-2236

Mortgage

Document Number	588330
Date	Aug 10, 2017
Instrument	588330

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2047

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		$54,520 (+81.46%)	$545,200 (+5.95%) Land $109,000 Building $436,200
2025	$2,277.00 (+3.22%)	$30,046 (-45.48%)	$514,600 (-6.62%) Land $102,900 Building $411,700
2024		$55,110	$551,100 Land $110,200 Building $440,900
2023	$2,206.00

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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