4381 S Summit St, Gilbert, AZ 85297 Property Records

Maricopa County property record for 4381 S Summit St, Gilbert, AZ 85297

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,320 sqft · built 2004
Lot Size	0.24 acres (10,463 sqft)
Owner	Individual Name on Record
Last Sale	$499,000 (Aug 2020)
Tax Bill	$2,823 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`304-57-162`

Property Details

APN / Parcel Number

Primary APN	`304-57-162`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,320 sqft Living Area
1st Floor Area	2,320 sqft

Exterior

Year Built	Built 2004
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	10,463 sqft (0.24 acres)
Parking Spaces	3 Parking Spaces
Pool Area	460 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4381 S SUMMIT ST
City	GILBERT
State	AZ
Zip	85297-4554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	ESTATES AT THE SPECTRUM MCR 575-08
Legal Range	06E
Legal Township	02S
Legal Section	08
Legal Quarter	NE
Quarter-Quarter Section	SW
Legal Subdivision	ESTATES AT THE SPECTRUM
Legal Lot Number	148
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2004
Census Tract	815901

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	4381 S SUMMIT ST, GILBERT, AZ 85297-4554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2019	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Aug 16, 2007 · Amount on Record
Deed Document Number	20200808318
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4381 S SUMMIT ST, GILBERT, AZ 85297-4554
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000915482
Date	Nov 14, 2019
Instrument	20190915482

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 31, 2020
Property Address	4381 S SUMMIT ST, GILBERT, AZ 85297-4554
Document Number	0000808318
Map Reference	MB 575 PG 8
Instrument Date	Aug 25, 2020
Instrument	20200808318
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SECURITY TITLE AGENCY INC

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	4381 S SUMMIT ST, 4381, GILBERT, AZ 85297-4554

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4381 S SUMMIT ST, GILBERT, AZ 85297-4554
Investor	Possibly a Property Investor

Mortgage

Document Number	0000808319
Date	Aug 31, 2020
Instrument	20200808319

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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	Chandler Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,030 (-2.6%)	$580,300 (-2.6%) Land $116,000 Building $464,300
2025	$2,823.00 (+7.22%)
2024		$59,580	$595,800 Land $119,100 Building $476,700
2022	$2,633.00

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

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.

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	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 636 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 / 100
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AirFiber WISP Fixed Wireless	100 / 25
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20

May also be available: AT&T.

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