634 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 634 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,941 sqft · built 1993
Lot Size	0.214 acres (9,339 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jul 1997)
Tax Bill	$3,098 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Dec 2017 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-767`

Property Details

APN / Parcel Number

Primary APN	`304-23-767`
Alternative APN	`304237672`

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	9,339 sqft (0.214 acres)
Parking Spaces	3 Parking Spaces
Pool Area	569 sqft
Patio Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	634 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2340
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	82
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2017
Census Tract	422404

Owner

Source: Maricopa County records, as of October 22, 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	634 E SARATOGA ST, GILBERT, AZ 85296-2340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 21, 2017	Re-recorded Document LENDERS TITLE SOLUTIONS, LENDERS TITLE SOLUTIONS LLC
Jun 22, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 1997 · Amount on Record
Deed Sale	Jul 11, 1997 · Amount on Record
Deed Document Number	1997469669
Prior Transfer Date	Jul 2, 1997
Prior Transfer Doc	0000469669
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	634 E SARATOGA ST, GILBERT, AZ 85296-2340
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203305
Date	Mar 22, 2017
Instrument	2017-0203305

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	634 E SARATOGA ST, GILBERT, AZ 85296-2340
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000953500
Date	Dec 26, 2017
Instrument	2017-0953500

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 6, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MARICOPA AZ
Recording Date	Jul 21, 2017
Property Address	634 E SARATOGA ST, GILBERT, AZ 85296-2340
Document Number	0000533730
Map Reference	DOC87-531115
Instrument Date	Mar 21, 2017
Instrument	2017-0533730
Record Updated	Sep 14, 2021
Title Company	LENDERS TITLE SOLUTIONS, LENDERS TITLE SOLUTIONS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 E SARATOGA ST, GILBERT, AZ 85296-2340

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jun 22, 2017
Property Address	634 E SARATOGA ST, GILBERT, AZ 85296-2340
Document Number	0000455902
Instrument Date	Mar 21, 2017
Instrument	2017-0455902
Transaction Type	Transfer
Record Updated	Nov 9, 2022

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
Address	634 E SARATOGA ST, GILBERT, AZ 85296-2340

Mortgage

Document Number	0000455903
Date	Jun 22, 2017
Instrument	2017-0455903

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

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

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		$59,900 (+75.32%)	$599,000 (+8.55%) Land $119,800 Building $479,200
2025	$3,098.00 (+7.09%)	$34,166 (-42.92%)	$551,800 (-7.82%) Land $110,300 Building $441,500
2024		$59,860 (+19.94%)	$598,600 (+19.94%) Land $119,700 Building $478,900
2023	$2,893.00 (+0.84%)	$49,910 Land $9,980 Building $39,930	$499,100 Land $99,800 Building $399,300
2022	$2,869.00

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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