Maricopa County property record for 404 W Cotton Ln, Gilbert, AZ 85233
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,057 sqft · built 2000 |
| Lot Size | 0.211 acres (9,206 sqft) |
| Owner | Owner Name on File |
| Last Sale | $151,542 (May 2000) |
| Tax Bill | $1,837 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 302-20-163 |
| Primary APN | 302-20-163 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,057 sqft Living Area |
| 1st Floor Area | 2,057 sqft |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Concrete Tile |
| Lot Area | 9,206 sqft (0.211 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Refrigeration |
|---|---|
| Heating System | HVAC |
| Street Address | 404 W COTTON LN |
|---|---|
| City | GILBERT |
| State | AZ |
| Zip | 85233-5353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-7 |
| Legal Description | NEELY RANCH MCR 377/38 |
| Legal Range | 05E |
| Legal Township | 01S |
| Legal Section | 12 |
| Legal Quarter | SW |
| Quarter-Quarter Section | SE |
| Legal Subdivision | NEELY RANCH |
| Legal Lot Number | 157 |
| Jurisdiction | MARICOPA AZ |
| Township / Civil Division | PHOENIX |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 422401 |
The current owner of 404 W Cotton Ln bought it in May 2000.
Source: Maricopa County records, as of November 20, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 404W W COTTON LN, GILBERT, AZ 85233-5353 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU |
| Jun 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 24, 2017 | Deed of Trust, Mortgage · Conventional with PMI DESERT SCHOOLS FCU |
| Last Sale | May 31, 2000 · Amount on File |
|---|---|
| Deed Sale | May 31, 2000 · Amount on File |
| Prior Sale | May 31, 2000 |
| Deed Document Number | 20000413547 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 404 W COTTON LN, GILBERT, AZ 85233-5353 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 W COTTON LN, GILBERT, AZ 85233-5353 |
| Document Number | 0000632356 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 20220632356 |
| Name | DESERT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 404 W COTTON LN, GILBERT, AZ 85233-5353 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000545544 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 20200545544 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 404 W COTTON LN, GILBERT, AZ 85233-5353 |
| Document Number | 0000554017 |
| Instrument Date | Jul 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2017 |
| Title Company | GRAND CANYON TITLE AGENCY, GRAND CANYON TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 404 W COTTON LN GILBERT AZ 852335353, GILBERT, AZ 85233-5353 |
| Document Number | 0000554017 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 554017 |
| Name | DESERT SCHOOLS FCU |
|---|---|
| Type | Credit Union |
| Address | PHOENIX, AZ 85034 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 27, 2037 |
The 2025 property tax bill for 404 W Cotton Ln was $1,837.
Source: Maricopa County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Maricopa County |
| Municipality | Gilbert Town |
| Unified School District | Gilbert Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,330 | $453,300 Land $90,600 Building $362,700 | |
| 2025 | $1,837.00 | ||
| 2024 | $46,560 | $465,600 Land $93,100 Building $372,500 | |
| 2023 | $1,781.00 |
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.
FEMA maps place 404 W Cotton Ln in Zone X, an area of moderate flood risk.
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.
The area around 404 W Cotton Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 510 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
| CenturyLink DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Consolidated Smart Broadband Systems, T-Mobile, Tristate Wi-Fi by Wi-Fiber, WeLink Communications.
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