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

Maricopa County property record for 40 E Palo Verde St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,907 sqft · built 1981
Lot Size	0.298 acres (13,024 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jul 2018)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-170`

Property Details

APN / Parcel Number

Primary APN	`304-23-170`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,907 sqft Living Area
Gross Area	2,366 sqft
1st Floor Area	1,907 sqft

Exterior

Year Built	Built 1981
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	13,024 sqft (0.298 acres)
Parking Spaces	2 Parking Spaces
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	40 E PALO VERDE ST
City	GILBERT
State	AZ
Zip	85296-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	COLONIA GRANDE MCR 195-17
Legal Range	06E
Legal Township	01S
Legal Section	18
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	COLONIA GRANDE
Legal Lot Number	86
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1003
Census Tract	422404

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
Co-owner	Co-owner on Record
Mailing Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 22, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARIZONA CENTRAL CU
Jul 16, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage WALLICK & VOLK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2018 · Amount on Record
Deed Sale	Jul 16, 2018 · Amount on Record
Prior Sale	Aug 4, 2014 · Amount on Record
Deed Document Number	20180536677
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023

Mortgage

Document Number	0000024827
Date	Jan 17, 2023
Instrument	20230024827

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	EMPIRE W TITLE AGENCY, EMPIRE WEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023

Mortgage

Document Number	0001256128
Date	Nov 24, 2021
Instrument	20211256128

Lender

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

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE SVC AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000685239
Date	Jul 30, 2020
Instrument	20200685239

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023

Mortgage

Document Number	0001266583
Date	Dec 22, 2020
Instrument	20201266583

Lender

Name	ARIZONA CENTRAL CU
Type	Credit Union
Address	PHOENIX, AZ 85004

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2041

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 16, 2018
Property Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Document Number	0000536677
Map Reference	MB 195 PG 17
Instrument Date	Jun 19, 2018
Instrument	20180536677
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	40 E PALO VERDE ST, 40, GILBERT, AZ 85296-1023

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023

Mortgage

Document Number	0000536678
Date	Jul 16, 2018
Instrument	20180536678

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	40 E PALO VERDE ST, GILBERT, AZ 85296-1023
Document Number	0000965139
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	WFG NATIONAL TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	40 E PALO VERDE ST GILBERT AZ 852961023, GILBERT, AZ 85296-1023

Mortgage

Document Number	0000965139
Date	Dec 29, 2017
Instrument	965139

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

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		$46,600 (-1.33%)	$466,000 (-1.33%) Land $93,200 Building $372,800
2025	$1,658.00 (+3.3%)
2024		$47,230	$472,300 Land $94,400 Building $377,900
2023	$1,605.00

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 96% of the US · lower than 99.3% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 654 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Arizona Network Fixed Wireless	1,000 / 1,000
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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