550 S Oak St, Gilbert, AZ 85233 Property Records

Maricopa County property record for 550 S Oak St, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,500 sqft · built 1993
Lot Size	0.217 acres (9,470 sqft)
Owner	2 Individual Names on Record
Last Sale	$689,900 (Apr 2026)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`302-35-094`

Property Details

APN / Parcel Number

Primary APN	`302-35-094`
Alternative APN	`302350949`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,500 sqft Living Area
Gross Area	2,650 sqft
1st Floor Area	2,500 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	9,470 sqft (0.217 acres)
Garage Type	Attached
Parking Spaces	4 Parking Spaces
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	550 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 LOT 1-90 TR A-J MCR 356-45
Legal Range	5E
Legal Township	1S
Legal Section	13
Legal Subdivision	PARCELS 8 & 9 OF LAGO ESTANCIA LOT 1-90
Legal Lot Number	86
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1011
Census Tract	422403

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	2 Individual Names on Record
Mailing Address	550 S OAK ST, GILBERT, AZ 85233-6930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN HERITAGE LENDING INC
Mar 30, 2026	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Apr 17, 2026	Re-recorded Document, Transfer CLEAR TITLE AGENCY OF ARIZONA
Jun 26, 2020	Quit Claim Deed, Transfer SERVICE FIRST HM LOANS
Jun 26, 2020	Quit Claim Deed, Transfer DRIGGS TITLE AGENCY
Dec 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Mar 30, 2026 · Amount on Record
Deed Document Number	2026230351
Prior Transfer Date	Feb 4, 2015
Prior Transfer Doc	0000091795
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Mar 25, 2026
Property Address	550 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000171825
Map Reference	MB 356 PG 45
Instrument Date	Mar 20, 2026
Instrument	20260171825
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY INC

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
Relationship	Community Property with Right of Survivorship
Address	550 S OAK ST, GILBERT, AZ 85233-6930

Mortgage

Document Number	0000171826
Date	Mar 25, 2026
Instrument	20260171826

Lender

Name	AMERICAN HERITAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	8.5%
Max Rate At Change	13.5%
Index	SOFR Average 30-Day
Max Rate	13.5%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 30, 2026
Property Address	550 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000185022
Map Reference	MB 356 PG 45
Instrument Date	Mar 5, 2026
Instrument	20260185022
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGENCY OF AZ

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	550 S OAK ST, GILBERT, AZ 85233-6930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	550 S OAK ST, GILBERT, AZ 85233-6930

Mortgage

Document Number	0000185023
Date	Mar 30, 2026
Instrument	20260185023

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2026: Re-recorded Document, Transfer

Document Type	Re-recorded Document
Jurisdiction	MARICOPA AZ
Recording Date	Apr 17, 2026
Property Address	550 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000230351
Instrument Date	Mar 5, 2026
Instrument	2026.230351
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	CLEAR TITLE AGENCY OF ARIZONA

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	550 S OAK ST, GILBERT, AZ 85233-6930

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 26, 2020
Property Address	550 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000563715
Instrument Date	Jun 18, 2020
Instrument	563715
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	DRIGGS TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 S OAK ST GILBERT AZ 852336930, GILBERT, AZ 85233-6930

Mortgage

Document Number	563716
Date	Jun 26, 2020
Instrument	563716

Lender

Name	SERVICE FIRST HM LOANS
Address	MCKINNEY, TX 75070

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2035

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 26, 2020
Property Address	550 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0000563717
Instrument Date	Jun 18, 2020
Instrument	563717
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	DRIGGS TITLE AGENCY

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	550 S OAK ST GILBERT AZ 852336930, GILBERT, AZ 85233-6930

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 19, 2019
Property Address	550 S OAK ST, GILBERT, AZ 85233-6930
Document Number	0001029995
Instrument Date	Dec 11, 2019
Instrument	1029995
Transaction Type	Transfer
Record Updated	Dec 30, 2019
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	550 S OAK ST GILBERT AZ 852336930, GILBERT, AZ 85233-6930

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	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,420 (+86.1%)	$574,200 (+5.75%) Land $114,800 Building $459,400
2025	$2,345.00 (+3.3%)	$30,855 (-46.45%)	$543,000 (-5.76%) Land $108,600 Building $434,400
2024		$57,620	$576,200 Land $115,200 Building $461,000
2023	$2,270.00

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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