418 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 418 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,941 sqft · built 1990
Lot Size	0.226 acres (9,854 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jun 2011)
Tax Bill	$3,172 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-742`

Property Details

APN / Parcel Number

Primary APN	`304-23-742`
Alternative APN	`304237423`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,941 sqft Living Area
Gross Area	3,058 sqft
1st Floor Area	1,961 sqft
2nd Floor Area	980 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Concrete
Lot Area	9,854 sqft (0.226 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Pool Area	450 sqft
Patio Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	SPRING MEADOWS COMMONS LOT 1-92 TR A-C MCR 313-16
Legal Range	6E
Legal Township	1S
Legal Section	18
Legal Subdivision	SPRING MEADOWS COMMONS LOT 1-92 TR A-C
Legal Lot Number	57
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2012
Census Tract	422404

Owner

Source: Maricopa County records, as of June 8, 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	418 E SARATOGA ST, GILBERT, AZ 85296-2336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit ARIZONA FCU
Sep 11, 2017	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2011 · Amount on Record
Deed Sale	Jun 7, 2011 · Amount on Record
Prior Sale	Dec 16, 1998 · Amount on Record
Deed Document Number	2011476248
Last Transfer Date	Sep 1, 2017
Transfer Doc	0000669157
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Jun 1, 2026
Property Address	418 E SARATOGA ST, GILBERT, AZ 85296-2336
Document Number	0000328196
Instrument Date	May 23, 2026
Instrument	2026328196
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	418 E SARATOGA ST, GILBERT, AZ 85296-2336

Mortgage

Document Number	0000328196,
Date	Jun 1, 2026
Instrument	2026328196

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	418 E SARATOGA ST, GILBERT, AZ 85296-2336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000504086
Date	Jul 2, 2018
Instrument	20180504086

Lender

Name	ARIZONA FCU
Type	Credit Union
Address	PHOENIX, AZ 85008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Sep 11, 2017
Property Address	418 E SARATOGA ST, GILBERT, AZ 85296-2336
Document Number	0000669156
Map Reference	MB 322 PG 24
Instrument Date	Sep 6, 2017
Instrument	2017-0669156
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	418 E SARATOGA ST, GILBERT, AZ 85296-2336

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		$62,510 (+77.87%)	$625,100 (+8.66%) Land $125,000 Building $500,100
2025	$3,172.00 (+6.98%)	$35,144 (-43.01%)	$575,300 (-6.71%) Land $115,000 Building $460,300
2024		$61,670	$616,700 Land $123,300 Building $493,400
2023	$2,965.00

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
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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