633 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 633 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,941 sqft · built 1993
Lot Size	0.199 acres (8,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jan 2014)
Tax Bill	$3,018 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-773`

Property Details

APN / Parcel Number

Primary APN	`304-23-773`
Alternative APN	`304237730`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,941 sqft Living Area
Gross Area	3,058 sqft
1st Floor Area	1,961 sqft
2nd Floor Area	980 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Concrete
Lot Area	8,649 sqft (0.199 acres)
Parking Spaces	3 Parking Spaces
Pool Area	400 sqft
Patio Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	633 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	SPRING MEADOWS COMMONS LOT 1-92 TR A-C MCR 313-16
Legal Range	6E
Legal Township	1S
Legal Section	18
Legal Subdivision	SPRING MEADOWS COMMONS LOT 1-92 TR A-C
Legal Lot Number	88
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2013
Census Tract	422404

Owner

Source: Maricopa County records, as of April 20, 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	633 E SARATOGA ST, GILBERT, AZ 85296-2341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit WEST FINANCIAL CREDIT UNION
Oct 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2014 · Amount on Record
Deed Sale	Jan 10, 2014 · Amount on Record
Deed Document Number	201419857
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Apr 13, 2026
Property Address	633 E SARATOGA ST, GILBERT, AZ 85296-2341
Document Number	0000215034
Instrument Date	Apr 8, 2026
Instrument	2026215034
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	633 E SARATOGA ST, GILBERT, AZ 85296-2341

Mortgage

Document Number	0000215034,
Date	Apr 13, 2026
Instrument	2026215034

Lender

Name	WEST FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	633 E SARATOGA ST, GILBERT, AZ 85296-2341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EMPIRE WEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000794050
Date	Oct 26, 2017
Instrument	2017-0794050

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company
Address	TUCSON, AZ 85711

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	633 E SARATOGA ST, GILBERT, AZ 85296-2341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000394563
Date	May 8, 2020
Instrument	20200394563

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company
Address	TUCSON, AZ 85711

Agreement

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

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		$58,310 (+76.1%)	$583,100 (+8.48%) Land $116,600 Building $466,500
2025	$3,018.00 (+7.21%)	$33,112 (-43.26%)	$537,500 (-7.9%) Land $107,500 Building $430,000
2024		$58,360	$583,600 Land $116,700 Building $466,900
2023	$2,815.00

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
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Arizona Network Fixed Wireless	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

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

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