4685 E Ruffian Rd, Gilbert, AZ 85297 Property Records

Maricopa County property record for 4685 E Ruffian Rd, Gilbert, AZ 85297

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 5,816 sqft · built 2005
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,400,000 (Mar 2024)
Tax Bill	$4,692 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2022 Line of Credit + 6 more
Flood Zone	Zone X (moderate risk)
APN	`313-02-801`

Property Details

APN / Parcel Number

Primary APN	`313-02-801`
Alternative APN	`313028013`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	5,816 sqft Living Area
Gross Area	6,066 sqft
1st Floor Area	2,383 sqft
2nd Floor Area	2,372 sqft
Basement Area	1,061 sqft
Finished Basement	1,061 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	10,000 sqft (0.23 acres)
Parking Spaces	3 Parking Spaces
Pool Area	620 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4685 E RUFFIAN RD
City	GILBERT
State	AZ
Zip	85297-5529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	POWER RANCH NEIGHBORHOOD 3 MCR 532-11
Legal Range	6E
Legal Township	2S
Legal Section	12
Legal Subdivision	POWER RANCH NEIGHBORHOOD 3
Legal Lot Number	115
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	1
Census Block	1003
Census Tract	816200

Owner

Source: Maricopa County records, as of June 29, 2026

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
Mailing Address	32 ROAD 5219, BLOOMFIELD, NM 87413-9716
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP
Mar 31, 2021	Warranty Deed, Transfer · Conventional Mortgage FUNDLOANS CAPITAL
Feb 28, 2024	Re-recorded Document DRIGGS TITLE AGENCY INC-NV, DRIGGS TITLE AGENCY INC
Nov 30, 2020	Deed of Trust, Mortgage · Commercial Mortgage KENWOOD MORTGAGE INVESTMENTS INC
Nov 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 27, 2017	Warranty Deed, Transfer DRIGGS TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Prior Sale	Mar 31, 2021 · Amount on Record
Deed Document Number	2024143830
Prior Transfer Date	Mar 30, 2021
Prior Transfer Doc	0000100622
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 20, 2024
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Document Number	0000143830
Map Reference	MB 532 PG 11
Instrument Date	Mar 7, 2024
Instrument	20240143830
Transaction Type	Transfer
Record Updated	Apr 1, 2024
Title Company	GRECO TITLE AGENCY LLC, GROUP TITLE AGENCY LLC

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	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ROAD 5219, BLOOMFIELD, NM 87413-9716

Mortgage

Document Number	0000143831
Date	Mar 20, 2024
Instrument	20240143831

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	12.5%
Margin	5
Max Rate	12.5%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529

Mortgage

Document Number	0000806155
Date	Oct 28, 2022
Instrument	20220806155

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	TITLE ALLIANCE PROFESSIONALS L, TITLE ALLIANCE PROFESSIONALS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529

Mortgage

Document Number	0000067331
Date	Jan 24, 2022
Instrument	20220067331

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	UPLAND, CA 91786

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 31, 2021
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Document Number	0000358957
Map Reference	MB 532 PG 11
Instrument Date	Mar 30, 2021
Instrument	20210358957
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	DRIGGS TITLE AGENCY INC-NV, DRIGGS 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	26425 S SEDONA DR, 26425, SUN LAKES, AZ 85248-7130

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529

Mortgage

Document Number	0000358958
Date	Mar 31, 2021
Instrument	20210358958

Lender

Name	FUNDLOANS CAPITAL
Type	Non-Lending Institution

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	11.7%

February 2024: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MARICOPA AZ
Recording Date	Feb 28, 2024
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Document Number	0000100622
Map Reference	MB 532 PG 11
Instrument Date	Mar 30, 2021
Instrument	20240100622
Record Updated	Mar 7, 2024
Title Company	DRIGGS TITLE AGENCY INC-NV, DRIGGS TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	226425 S SEDONA DRIVE, SUN LAKES, AZ 85248

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26425 S SEDONA DR, SUN LAKES, AZ 85248-7130

Mortgage

Document Number	0001172352
Date	Nov 30, 2020
Instrument	20201172352

Lender

Name	KENWOOD MORTGAGE INVESTMENTS INC
Type	Non-Lending Institution
Address	SCOTTSDALE, AZ 85260

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 2, 2017
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Document Number	0000815308
Instrument Date	Oct 20, 2017
Instrument	815308
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	26425 S SEDONA DR SUN LAKES AZ 852487130, SUN LAKES, AZ 85248-7130

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 27, 2017
Property Address	4685 E RUFFIAN RD, GILBERT, AZ 85297-5529
Document Number	0000714799
Instrument Date	Sep 20, 2017
Instrument	714799
Transaction Type	Transfer
Record Updated	Oct 3, 2017
Title Company	DRIGGS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4685 E RUFFIAN RD GILBERT AZ 852975529, GILBERT, AZ 85297-5529

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Gilbert Town
Unified School District	Higley Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$94,300 (+59.73%)	$943,000 (+8.7%) Land $188,600 Building $754,400
2025	$4,692.00 (-5.65%)	$59,037 (-36.2%)	$867,500 (-6.25%) Land $173,500 Building $694,000
2024		$92,530	$925,300 Land $185,000 Building $740,300
2023	$4,973.00

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
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

4685 E Ruffian Rd, Gilbert, AZ 85297 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2024: Re-recorded Document

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Ruffian Rd

Nearby Streets

Search Property Records by Address or Parcel Number