441 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 441 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,873 sqft · built 1991
Lot Size	0.198 acres (8,635 sqft)
Owner	Company Name on Record
Tax Bill	$2,581 (2025)
Deeds & Mortgages	Dec 2025 Sale Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-726`

Property Details

APN / Parcel Number

Primary APN	`304-23-726`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,873 sqft Living Area
1st Floor Area	1,873 sqft

Exterior

Year Built	Built 1991
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Concrete Tile
Lot Area	8,635 sqft (0.198 acres)
Parking Spaces	2 Parking Spaces
Patio Area	146 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	441 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	SPRING MEADOWS COMMONS MCR 313-16
Legal Range	06E
Legal Township	01S
Legal Section	18
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	SPRING MEADOWS COMMONS LOT 1-92 TR A-C
Legal Lot Number	41
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2006
Census Tract	422404

Owner

Source: Maricopa County records, as of January 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Special Warranty Deed, Transfer
Nov 12, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 28, 2025	Intrafamily Transfer, Transfer
Mar 25, 2025	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN
Mar 25, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2025
Deed Sale	Dec 15, 2025
Prior Sale	Nov 12, 2025
Deed Document Number	20250721170
Record Updated	Jun 8, 2026

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 15, 2025
Property Address	441 E SARATOGA ST, GILBERT, AZ 85296-2337
Document Number	0000721170
Map Reference	MB 313 PG 16
Instrument Date	Dec 15, 2025
Instrument	20250721170
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Nov 12, 2025
Property Address	441 E SARATOGA ST, GILBERT, AZ 85296-2337
Document Number	0000653637
Map Reference	MB 313 PG 16
Instrument Date	Nov 10, 2025
Instrument	20250653637
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229

Mortgage

Document Number	0000653638
Date	Nov 12, 2025
Instrument	20250653638

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	May 28, 2025
Property Address	441 E SARATOGA ST, GILBERT, AZ 85296-2337
Document Number	0000307074
Instrument Date	May 23, 2025
Instrument	20250307074
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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	Living Trust
Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229

March 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Mar 25, 2025
Property Address	441 E SARATOGA ST, GILBERT, AZ 85296-2337
Document Number	0000161008
Map Reference	MB 313 PG 16
Instrument Date	Mar 24, 2025
Instrument	20250161008
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

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
Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 25, 2025
Property Address	441 E SARATOGA ST, GILBERT, AZ 85296-2337
Document Number	0000161007
Map Reference	MB 313 PG 15
Instrument Date	Feb 24, 2025
Instrument	20250161007
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

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	PO BOX 1423, SONOITA, AZ 85637-1423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2330 W SUNRISE PL, CHANDLER, AZ 85248-4229

Mortgage

Document Number	0000161009
Date	Mar 25, 2025
Instrument	20250161009

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

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	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,330 (-1.16%)	$443,300 (-1.16%) Land $88,600 Building $354,700
2025	$2,581.00 (+25.84%)
2024		$44,850	$448,500 Land $89,700 Building $358,800
2022	$2,051.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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