442 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 442 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,017 sqft · built 1991
Lot Size	0.213 acres (9,295 sqft)
Owner	Owner Name on Record
Last Sale	$175,500 (Dec 2010)
Tax Bill	$2,510 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-739`

Property Details

APN / Parcel Number

Primary APN	`304-23-739`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,017 sqft Living Area
1st Floor Area	2,017 sqft

Exterior

Year Built	Built 1991
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Concrete Tile
Lot Area	9,295 sqft (0.213 acres)
Parking Spaces	3 Parking Spaces
Pool Area	390 sqft
Patio Area	146 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	442 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 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	54
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2012
Census Tract	422404

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	Owner Name on Record
Mailing Address	442 E SARATOGA ST, GILBERT, AZ 85296-2336
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2010 · Amount on Record
Deed Sale	Dec 16, 2010 · Amount on Record
Prior Sale	Oct 2, 2006 · Amount on Record
Deed Document Number	20101095697
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	442 E SARATOGA ST, GILBERT, AZ 85296-2336
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 E SARATOGA ST, GILBERT, AZ 85296-2336

Mortgage

Document Number	0001289383
Date	Dec 6, 2021
Instrument	20211289383

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	442 E SARATOGA ST, GILBERT, AZ 85296-2336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE SVC AGENCY LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031053
Date	Jan 13, 2017
Instrument	2017-0031053

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SPOKANE, WA 99201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	442 E SARATOGA ST, GILBERT, AZ 85296-2336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 E SARATOGA ST, GILBERT, AZ 85296-2336

Mortgage

Document Number	0001067709
Date	Nov 3, 2020
Instrument	20201067709

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2035

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		$49,870 (-0.3%)	$498,700 (-0.3%) Land $99,700 Building $399,000
2025	$2,510.00 (+8.05%)
2024		$50,020	$500,200 Land $100,000 Building $400,200
2023	$2,323.00

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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