420 E Silver Creek Rd, Gilbert, AZ 85296 Property Records

Maricopa County property record for 420 E Silver Creek Rd, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,880 sqft · built 1991
Lot Size	0.149 acres (6,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,000 (Feb 2016)
Tax Bill	$2,099 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-425`

Property Details

APN / Parcel Number

Primary APN	`304-23-425`
Alternative APN	`304234256`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	2,120 sqft
1st Floor Area	1,880 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,499 sqft (0.149 acres)
Parking Spaces	2 Parking Spaces
Pool Area	300 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 E SILVER CREEK RD
City	GILBERT
State	AZ
Zip	85296-1148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	MORNING RIDGE LOT 1-92 TR A-D MCR 302-50
Legal Range	6E
Legal Township	1S
Legal Section	18
Legal Subdivision	MORNING RIDGE LOT 1-92 TR A-D
Legal Lot Number	53
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1017
Census Tract	422404

Owner

Source: Maricopa County records, as of April 3, 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	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 24, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 1, 2021	Deed of Trust, Mortgage · FHA Mortgage SOVEREIGN LENDING GROUP INCORPORATED
Jun 10, 2021	Deed of Trust, Mortgage · FHA Mortgage SOVEREIGN LENDING GROUP INC
Jul 6, 2020	Deed of Trust, Mortgage · FHA Mortgage SOVEREIGN LNDG
Nov 20, 2019	Deed of Trust, Mortgage · FHA Mortgage SOVEREIGN LNDG
Mar 21, 2019	Deed of Trust, Mortgage · FHA Mortgage SOVEREIGN LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2016 · Amount on Record
Deed Sale	Feb 12, 2016 · Amount on Record
Deed Document Number	201692282
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	UNLS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148

Mortgage

Document Number	0000177239
Date	Mar 27, 2026
Instrument	20260177239

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Margin	2
Max Rate	5.25%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148

Mortgage

Document Number	0000444245
Date	Aug 24, 2023
Instrument	20230444245

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148

Mortgage

Document Number	0001275416
Date	Dec 1, 2021
Instrument	20211275416

Lender

Name	SOVEREIGN LENDING GROUP INCORPORATED
Type	Non-Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148

Mortgage

Document Number	0000641686
Date	Jun 10, 2021
Instrument	20210641686

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Document Number	0000655017
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	420 E SILVER CREEK RD GILBERT AZ 852961148, GILBERT, AZ 85296-1148

Mortgage

Document Number	0000655017
Date	Jul 22, 2020
Instrument	655017

Lender

Name	SOVEREIGN LNDG
Address	2530 REDHILL AVE # 110, SANTA ANA, CA 92705-5560

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Document Number	0000977540
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	420 E SILVER CREEK RD GILBERT AZ 852961148, GILBERT, AZ 85296-1148

Mortgage

Document Number	0000977540
Date	Dec 4, 2019
Instrument	977540

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	420 E SILVER CREEK RD, GILBERT, AZ 85296-1148
Document Number	0000230921
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	420 E SILVER CREEK RD GILBERT AZ 852961148, GILBERT, AZ 85296-1148

Mortgage

Document Number	0000230921
Date	Apr 2, 2019
Instrument	230921

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

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		$44,100 (+109.66%)	$441,000 (+5.35%) Land $88,200 Building $352,800
2025	$2,099.00 (+10.47%)	$21,034 (-52.86%)	$418,600 (-6.19%) Land $83,700 Building $334,900
2024		$44,620	$446,200 Land $89,200 Building $357,000
2023	$1,900.00

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 99.8% of the US · lower than 99.9% 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 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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