518 S Oak St, Gilbert, AZ 85233 Property Records

Maricopa County property record for 518 S Oak St, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,014 sqft · built 1994
Lot Size	0.158 acres (6,887 sqft)
Owner	Trust Name on Record
Last Sale	$330,000 (Nov 2018)
Tax Bill	$1,731 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`302-35-097`

Property Details

APN / Parcel Number

Primary APN	`302-35-097`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,014 sqft Living Area
1st Floor Area	2,014 sqft

Exterior

Year Built	Built 1994
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	6,887 sqft (0.158 acres)
Parking Spaces	3 Parking Spaces
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	518 S OAK ST
City	GILBERT
State	AZ
Zip	85233-6930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	PARCELS 8 & 9 OF LAGO ESTANCIA MCR 356-45
Legal Range	05E
Legal Township	01S
Legal Section	13
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	PARCELS 8 & 9 OF LAGO ESTANCIA LOT 1-90
Legal Lot Number	89
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1011
Census Tract	422403

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	Trust Name on Record
Mailing Address	518 S OAK ST, GILBERT, AZ 85233-6930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Aug 12, 2019	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Dec 21, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE AGCY INC
Nov 2, 2018	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	0000821986
Last Transfer Date	Dec 21, 2018
Transfer Doc	0000936740
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	518 S OAK ST, GILBERT, AZ 85233-6930
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 S OAK ST, GILBERT, AZ 85233-6930

Mortgage

Document Number	0000656699
Date	Aug 22, 2022
Instrument	20220656699

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	518 S OAK ST, GILBERT, AZ 85233-6930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 S OAK ST, GILBERT, AZ 85233-6930

Mortgage

Document Number	0000616186
Date	Aug 12, 2019
Instrument	20190616186

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	518 S OAK ST, GILBERT, AZ 85233-6930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 S OAK ST, GILBERT, AZ 85233-6930

Mortgage

Document Number	0001117040
Date	Nov 16, 2020
Instrument	20201117040

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 21, 2018
Property Address	518 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000936740
Instrument Date	Dec 11, 2018
Instrument	936740
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	518 S OAK ST GILBERT AZ 852336930, GILBERT, AZ 85233-6930

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 2, 2018
Property Address	518 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000821986
Map Reference	DOC1993-053244
Instrument Date	Oct 23, 2018
Instrument	20180821986
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIDELITY NATIONAL TITLE AGEN

Transaction

Amount	Amount Recorded
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	749 W HACKAMORE ST, 749, GILBERT, AZ 85233-6880

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	518 S OAK ST, GILBERT, AZ 85233-6930

Mortgage

Document Number	0000821987
Date	Nov 2, 2018
Instrument	20180821987

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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		$44,370 (-2.76%)	$443,700 (-2.76%) Land $88,700 Building $355,000
2025	$1,731.00
2024		$45,630	$456,300 Land $91,200 Building $365,100
2023	$1,731.00

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	Direct burnable vegetation

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 749 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
Arizona Network Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, WeLink Communications.

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