4575 S Rock St, Gilbert, AZ 85297 Property Records

Maricopa County property record for 4575 S Rock St, Gilbert, AZ 85297

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,728 sqft · built 2004
Lot Size	0.241 acres (10,507 sqft)
Owner	Trust Name on Record
Last Sale	$316,900 (May 2017)
Tax Bill	$2,523 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2023 Second Mortgage + 7 more
Flood Zone	Zone X (moderate risk)
APN	`304-57-235`

Property Details

APN / Parcel Number

Primary APN	`304-57-235`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,728 sqft Living Area
1st Floor Area	1,192 sqft
2nd Floor Area	1,536 sqft

Exterior

Year Built	Built 2004
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	10,507 sqft (0.241 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4575 S ROCK ST
City	GILBERT
State	AZ
Zip	85297-4559
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	SE
Quarter-Quarter Section	NW
Legal Subdivision	ESTATES AT THE SPECTRUM
Legal Lot Number	221
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	3
Census Block	3016
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	Trust Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Jul 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 19, 2017	Beneficiary Deed, Transfer
May 31, 2017	Warranty Deed, Transfer · Conventional Mortgage TITLE ALLIANCE OF ARIZONA LL
May 31, 2017	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Prior Sale	Jul 30, 2008 · Amount on Record
Deed Document Number	0000394960
Last Transfer Date	Oct 19, 2017
Transfer Doc	0000775419
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 S ROCK ST, GILBERT, AZ 85297-4559

Mortgage

Document Number	0000608033
Date	Oct 21, 2025
Instrument	20250608033

Lender

Name	UMB BANK NA
Type	Bank
Address	GILBERT, AZ 85234

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 S ROCK ST, GILBERT, AZ 85297-4559

Mortgage

Document Number	0000381115
Date	Jul 21, 2023
Instrument	20230381115

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2043

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Transaction Type	Mortgage
Record Updated	Nov 9, 2022
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000949022
Date	Dec 22, 2017
Instrument	2017-0949022

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145053
Date	Feb 20, 2020
Instrument	20200145053

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Transaction Type	Mortgage
Record Updated	Nov 9, 2022
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001240
Date	Jan 2, 2018
Instrument	2018-0001240

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Transaction Type	Mortgage
Record Updated	Nov 9, 2022
Title Company	PIONEER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4575 S ROCK ST, GILBERT, AZ 85297-4559

Mortgage

Document Number	0001021488
Date	Sep 22, 2021
Instrument	20211021488

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2017: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 19, 2017
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Document Number	0000775419
Map Reference	MB 575 PG 8
Instrument Date	Oct 18, 2017
Instrument	2017-0775419
Transaction Type	Transfer
Record Updated	Sep 13, 2021

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	4575 S ROCK ST, GILBERT, AZ 85297-4559

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 31, 2017
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Document Number	0000394960
Map Reference	MB 575 PG 8
Instrument Date	May 26, 2017
Instrument	2017-0394960
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	TITLE ALLIANCE OF ARIZONA LL

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	3575 E TRIPLE CROWN DR, 3575, SAN TAN VALLEY, AZ 85140-7146

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4575 S ROCK ST, GILBERT, AZ 85297-4559

Mortgage

Document Number	, 2017-0394961
Date	May 31, 2017
Instrument	2017-0394961

Lender

Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 31, 2017
Property Address	4575 S ROCK ST, GILBERT, AZ 85297-4559
Document Number	0000394960
Map Reference	MB 575 PG 8
Instrument Date	May 26, 2017
Instrument	2017-0394960
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	TITLE ALLIANCE OF ARIZONA LL

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	3575 E TRIPLE CROWN DR, 3575, SAN TAN VALLEY, AZ 85140-7146

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4575 S ROCK ST, GILBERT, AZ 85297-4559

Mortgage

Document Number	0000394961
Date	May 31, 2017
Instrument	2017-0394961

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$53,920 (-0.66%)	$539,200 (-0.66%) Land $107,800 Building $431,400
2025	$2,523.00 (+3.44%)
2024		$54,280	$542,800 Land $108,500 Building $434,300
2023	$2,439.00

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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