434 S Bay Dr, Gilbert, AZ 85233 Property Records

Maricopa County property record for 434 S Bay Dr, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,205 sqft · built 1985
Lot Size	0.217 acres (9,444 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Dec 2020)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`302-30-446`

Property Details

APN / Parcel Number

Primary APN	`302-30-446`
Alternative APN	`302304461`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,205 sqft Living Area
Gross Area	2,405 sqft
1st Floor Area	2,205 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	9,444 sqft (0.217 acres)
Parking Spaces	2 Parking Spaces
Pool Area	400 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 S BAY DR
City	GILBERT
State	AZ
Zip	85233-6538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	BAYVIEW MCR 282-15
Legal Range	5E
Legal Township	1S
Legal Section	14
Legal Subdivision	BAYVIEW
Legal Lot Number	103
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	3
Census Block	3000
Census Tract	422305

Owner

434 S Bay Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Maricopa County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	434 S BAY DR, GILBERT, AZ 85233-6538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit ONEAZ CU
Dec 4, 2020	Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
Mar 22, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Prior Sale	Apr 15, 2009 · Amount on File
Deed Document Number	20201193119
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	434 S BAY DR, GILBERT, AZ 85233-6538
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 S BAY DR, GILBERT, AZ 85233-6538

Mortgage

Document Number	0000653107
Date	Aug 18, 2022
Instrument	20220653107

Lender

Name	ONEAZ CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 4, 2020
Property Address	434 S BAY DR, GILBERT, AZ 85233-6538
Document Number	0001193119
Map Reference	MB 282 PG 15
Instrument Date	Nov 13, 2020
Instrument	20201193119
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	EMPIRE WEST TITLE AGENCY LLC

Transaction

Amount	Amount on Record
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	434 S BAY DR, 434, GILBERT, AZ 85233-6538

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	434 S BAY DR, GILBERT, AZ 85233-6538

Mortgage

Document Number	0001193120
Date	Dec 4, 2020
Instrument	20201193120

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	434 S BAY DR, GILBERT, AZ 85233-6538
Document Number	0000225263
Instrument Date	Mar 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 2, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	434 S BAY DR GILBERT AZ 852336538, GILBERT, AZ 85233-6538

Mortgage

Document Number	0000225263
Date	Mar 27, 2018
Instrument	225263

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 434 S Bay Dr was $2,114.

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		$48,420 (+73.54%)	$484,200 (+2.89%) Land $96,800 Building $387,400
2025	$2,114.00	$27,901 (-44.28%)	$470,600 (-6.01%) Land $94,100 Building $376,500
2024		$50,070	$500,700 Land $100,100 Building $400,600
2023	$2,049.00

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

FEMA maps place 434 S Bay Dr in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2014.

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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2014 · Severe Storms And Flooding

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

Wildfire risk around 434 S Bay Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
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: Arizona Network, WeLink Communications.

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