451 S Palm St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 451 S Palm St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,179 sqft · built 1997
Lot Size	0.186 acres (8,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (Mar 2015)
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`309-12-109`

Property Details

APN / Parcel Number

Primary APN	`309-12-109`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,179 sqft Living Area
1st Floor Area	2,179 sqft

Exterior

Year Built	Built 1997
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	8,128 sqft (0.186 acres)
Parking Spaces	3 Parking Spaces
Pool Area	410 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	451 S PALM ST
City	GILBERT
State	AZ
Zip	85296-2252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	COUNTRY LANE MCR 403-35
Legal Range	06E
Legal Township	01S
Legal Section	18
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	COUNTRY LANE
Legal Lot Number	93
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1015
Census Tract	422404

Owner

Source: Maricopa County records, as of November 20, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	451 S PALM ST, GILBERT, AZ 85296-2252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2015 · Amount on Record
Deed Sale	Mar 4, 2015 · Amount on Record
Prior Sale	Sep 3, 2014
Deed Document Number	20150146257
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	451 S PALM ST, GILBERT, AZ 85296-2252
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 S PALM ST, GILBERT, AZ 85296-2252

Mortgage

Document Number	0000857181
Date	Nov 28, 2022
Instrument	20220857181

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2042

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	451 S PALM ST, GILBERT, AZ 85296-2252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000938596
Date	Nov 20, 2019
Instrument	20190938596

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	451 S PALM ST, GILBERT, AZ 85296-2252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046917
Date	Jan 17, 2020
Instrument	20200046917

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$51,580 (-1.11%)	$515,800 (-1.11%) Land $103,100 Building $412,700
2025	$2,113.00 (+3.33%)
2024		$52,160	$521,600 Land $104,300 Building $417,300
2023	$2,045.00

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 98% of the US · lower than 99.6% 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 620 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
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Tristate Wi-Fi by Wi-Fiber, Verizon.

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