3643 E Encinas Ave, Gilbert, AZ 85234 Property Records

Maricopa County property record for 3643 E Encinas Ave, Gilbert, AZ 85234

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,070 sqft · built 1998
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,667 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2020 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-07-069`

Property Details

APN / Parcel Number

Primary APN	`304-07-069`
Alternative APN	`304070690`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,070 sqft Living Area
Gross Area	3,262 sqft
1st Floor Area	1,706 sqft
2nd Floor Area	1,364 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	8,625 sqft (0.198 acres)
Parking Spaces	3 Parking Spaces
Pool Area	400 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3643 E ENCINAS AVE
City	GILBERT
State	AZ
Zip	85234-2916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	CAROL RAE RANCH MCR 395-24
Legal Range	6E
Legal Township	1S
Legal Section	2
Legal Subdivision	CAROL RAE RANCH
Legal Lot Number	27
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	3
Census Block	3007
Census Tract	422621

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 Individual Names on Record
Mailing Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Warranty Deed, Transfer · FHA Mortgage NOVA FINANCIAL & INVESTMENT CORP
Apr 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 11, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 11, 2017	Deed of Trust, Mortgage · FHA Mortgage HIGHTECHLENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025
Deed Sale	Jun 10, 2025
Prior Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	2025333473
Prior Transfer Date	Jun 3, 2025
Prior Transfer Doc	0000333473
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 14, 2023
Property Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916
Document Number	0000481737
Map Reference	MB 395 PG 24
Instrument Date	Sep 5, 2023
Instrument	20230481737
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	GREAT AMERICAN TITLE AGENCY, GREAT AMERICAN 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	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916

Mortgage

Document Number	0000481738
Date	Sep 14, 2023
Instrument	20230481738

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 7, 2020
Property Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916
Document Number	0000296512
Instrument Date	Apr 7, 2020
Instrument	296512
Transaction Type	Transfer
Record Updated	Apr 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3643 E ENCINAS AVE GILBERT AZ 852342916, GILBERT, AZ 85234-2916

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 13, 2019
Property Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916
Document Number	0000913708
Instrument Date	Nov 12, 2019
Instrument	913708
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 E SAN REMO AVE GILBERT AZ 852342108, GILBERT, AZ 85234-2108

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916
Document Number	0000776978
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3643 E ENCINAS AVE GILBERT AZ 852342916, GILBERT, AZ 85234-2916

Mortgage

Document Number	0000776978
Date	Oct 19, 2017
Instrument	776978

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.43%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3643 E ENCINAS AVE, GILBERT, AZ 85234-2916
Document Number	0000776977
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3643 E ENCINAS AVE GILBERT AZ 852342916, GILBERT, AZ 85234-2916

Mortgage

Document Number	0000776977
Date	Oct 19, 2017
Instrument	776977

Lender

Name	HIGHTECHLENDING
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.43%

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		$59,670 (+74.65%)	$596,700 (+6.84%) Land $119,300 Building $477,400
2025	$2,667.00 (+3.25%)	$34,166 (-42.27%)	$558,500 (-5.63%) Land $111,700 Building $446,800
2024		$59,180 (+19.56%)	$591,800 (+19.56%) Land $118,300 Building $473,500
2023	$2,583.00 (+3.28%)	$49,500 Land $9,900 Building $39,600	$495,000 Land $99,000 Building $396,000
2022	$2,501.00

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 99.1% of the US · lower than 99.8% 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 585 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
CenturyLink DSL	140 / 20

May also be available: AT&T, T-Mobile, Verizon.

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