3978 E Vernon St, Gilbert, AZ 85298 Property Records

Maricopa County property record for 3978 E Vernon St, Gilbert, AZ 85298

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,640 sqft · built 2003
Lot Size	0.476 acres (20,758 sqft)
Owner	2 Company Names on Record
Last Sale	$550,000 (May 2020)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-78-463`

Property Details

APN / Parcel Number

Primary APN	`304-78-463`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,640 sqft Living Area
1st Floor Area	2,640 sqft

Exterior

Year Built	Built 2003
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	20,758 sqft (0.476 acres)
Parking Spaces	3 Parking Spaces
Pool Area	513 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3978 E VERNON ST
City	GILBERT
State	AZ
Zip	85298-8835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	SEVILLE PARCEL 4 MCR 554-20
Legal Range	06E
Legal Township	02S
Legal Section	23
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	SEVILLE PARCEL 4
Legal Lot Number	46
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2003
Census Tract	816401

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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUWEST CU
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
May 1, 2020	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Jul 24, 2018	Warranty Deed, Transfer · Conventional Mortgage MORIA DEVELOPMENT INC
Jul 24, 2018	Quit Claim Deed, Transfer PIONEER TITLE COMPANY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	May 1, 2020 · Amount on Record
Deed Document Number	0000376890
Last Transfer Date	Oct 25, 2024
Transfer Doc	0000571273
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3978 E VERNON ST, GILBERT, AZ 85298-8835

Mortgage

Document Number	0000058723
Date	Jan 20, 2022
Instrument	20220058723

Lender

Name	TRUWEST CU
Type	Credit Union
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 20, 2037

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	EMPIRE W TITLE AGENCY, EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3978 E VERNON ST, GILBERT, AZ 85298-8835

Mortgage

Document Number	0000574597
Date	May 24, 2021
Instrument	20210574597

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 1, 2020
Property Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Document Number	0000376890
Map Reference	MB 554 PG 20
Instrument Date	Apr 24, 2020
Instrument	20200376890
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	EMPIRE WEST TITLE AGENCY LLC

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	22732 E VIA DEL SOL, 22732, QUEEN CREEK, AZ 85142-1457

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Investor	Possibly a Property Investor

Mortgage

Document Number	0000376891
Date	May 1, 2020
Instrument	20200376891

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 24, 2018
Property Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Document Number	0000557701
Map Reference	MB 554 PG 20
Instrument Date	Jun 26, 2018
Instrument	20180557701
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PIONEER 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3978 E VERNON ST, 3978, GILBERT, AZ 85298-8835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 W 38TH ST RM 205, 205, NEW YORK, NY 10018-8664

Mortgage

Document Number	0000557703
Date	Jul 24, 2018
Instrument	20180557703

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

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

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 24, 2018
Property Address	3978 E VERNON ST, GILBERT, AZ 85298-8835
Document Number	0000557702
Instrument Date	Jun 26, 2018
Instrument	557702
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	PIONEER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	330 W 38TH ST #205 NEW YORK NY 100188664, 205, NEW YORK, NY 10018-8664

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	Chandler Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,210 (-3.15%)	$652,100 (-3.15%) Land $130,400 Building $521,700
2025	$2,724.00 (-8.19%)
2024		$67,330	$673,300 Land $134,600 Building $538,700
2023	$2,967.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 99.6% 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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: TREPIC Networks, Verizon.

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