549 S Lemon Ct, Gilbert, AZ 85296 Property Records

Maricopa County property record for 549 S Lemon Ct, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,870 sqft · built 1996
Lot Size	0.381 acres (16,618 sqft)
Owner	Individual Name on Record
Tax Bill	$2,823 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Feb 2019 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`309-11-350`

Property Details

APN / Parcel Number

Primary APN	`309-11-350`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,870 sqft Living Area
1st Floor Area	1,603 sqft
2nd Floor Area	1,267 sqft

Exterior

Year Built	Built 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	16,618 sqft (0.381 acres)
Parking Spaces	3 Parking Spaces
Pool Area	416 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	549 S LEMON CT
City	GILBERT
State	AZ
Zip	85296-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	FINLEY FARMS SOUTH PARCEL 12 MCR 404-10
Legal Range	06E
Legal Township	01S
Legal Section	16
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	FINLEY FARMS SOUTH PARCEL 12
Legal Lot Number	13
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2009
Census Tract	422512

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	Individual Name on Record
Mailing Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 27, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
May 15, 2020	Deed of Trust, Mortgage · Line of Credit MIDFIRST BANK
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP
Dec 22, 2021	Warranty Deed, Transfer CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ
Dec 22, 2021	Warranty Deed, Transfer CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021
Deed Sale	Dec 22, 2021
Prior Sale	Dec 22, 2021
Deed Document Number	20211357969
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 S LEMON CT, GILBERT, AZ 85296-2619

Mortgage

Document Number	0000049288
Date	Jan 31, 2024
Instrument	20240049288

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Transaction Type	Mortgage
Record Updated	Dec 31, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 S LEMON CT, GILBERT, AZ 85296-2619

Mortgage

Document Number	0000132711
Date	Feb 27, 2019
Instrument	20190132711

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 14, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416439
Date	May 15, 2020
Instrument	20200416439

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73162

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 5, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Transaction Type	Mortgage
Record Updated	Dec 31, 2021
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 S LEMON CT, GILBERT, AZ 85296-2619

Mortgage

Document Number	0000370896
Date	Apr 2, 2021
Instrument	20210370896

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 22, 2021
Property Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Document Number	0001357903
Map Reference	MB 264 PG 12
Instrument Date	Dec 21, 2021
Instrument	20211357903
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 S LEMON CT, GILBERT, AZ 85296-2619

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 22, 2021
Property Address	549 S LEMON CT, GILBERT, AZ 85296-2619
Document Number	0001357969
Map Reference	MB 206 PG 23
Instrument Date	Dec 21, 2021
Instrument	20211357969
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 S LEMON CT, GILBERT, AZ 85296-2619

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		$65,060 (+0.28%)	$650,600 (+0.28%) Land $130,100 Building $520,500
2025	$2,823.00 (+3.52%)
2024		$64,880	$648,800 Land $129,700 Building $519,100
2023	$2,727.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

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

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