638 S Surfside Dr, Gilbert, AZ 85233 Property Records

Maricopa County property record for 638 S Surfside Dr, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,496 sqft · built 1990
Lot Size	0.109 acres (4,739 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,900 (May 2018)
Tax Bill	$2,169 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`302-96-919`

Property Details

APN / Parcel Number

Primary APN	`302-96-919`
Alternative APN	`302969190`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
1st Floor Area	1,187 sqft
2nd Floor Area	1,309 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	4,739 sqft (0.109 acres)
Parking Spaces	2 Parking Spaces
Pool Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	638 S SURFSIDE DR
City	GILBERT
State	AZ
Zip	85233-7127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	CHARTER POINT AT THE ISLANDS LOT 1-54 TR A MCR 302-49
Legal Range	5E
Legal Township	1S
Legal Section	14
Legal Subdivision	CHARTER POINT AT THE ISLANDS LOT 1-54 TR
Legal Tract	A
Legal Lot Number	53
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2008
Census Tract	422305

Owner

Source: Maricopa County records, as of August 13, 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	638 S SURFSIDE DR, GILBERT, AZ 85233-7127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit BOEING EMPS CU
May 30, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on Record
Deed Sale	May 30, 2018 · Amount on Record
Prior Sale	Feb 25, 2014 · Amount on Record
Deed Document Number	2018410754
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	638 S SURFSIDE DR, GILBERT, AZ 85233-7127
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 S SURFSIDE DR, GILBERT, AZ 85233-7127

Mortgage

Document Number	0000143092
Date	Mar 12, 2026
Instrument	20260143092

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	638 S SURFSIDE DR, GILBERT, AZ 85233-7127
Document Number	0000782907
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	FIRST ARIZONA TITLE AGENCY INC, FIRST ARIZONA TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	638 S SURFSIDE DR GILBERT AZ 852337127, GILBERT, AZ 85233-7127

Mortgage

Document Number	0000782907
Date	Aug 25, 2020
Instrument	782907

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	638 S SURFSIDE DR, GILBERT, AZ 85233-7127
Document Number	0000009103
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	638 S SURFSIDE DR GILBERT AZ 852337127, GILBERT, AZ 85233-7127

Mortgage

Document Number	0000009103
Date	Jan 7, 2019
Instrument	9103

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	SEATTLE, WA 98214-9750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 6, 2044

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 30, 2018
Property Address	638 S SURFSIDE DR, GILBERT, AZ 85233-7127
Document Number	0000410754
Map Reference	MB 302 PG 49
Instrument Date	May 26, 2018
Instrument	20180410754
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	GRAND CANYON TITLE AGENCY

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	638 S SURFSIDE DR, 638, GILBERT, AZ 85233-7127

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	638 S SURFSIDE DR, GILBERT, AZ 85233-7127

Mortgage

Document Number	0000410755
Date	May 30, 2018
Instrument	20180410755

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$45,810 (+60.87%)	$458,100 (+2.37%) Land $91,600 Building $366,500
2025	$2,169.00 (+3.38%)	$28,477 (-40.36%)	$447,500 (-6.28%) Land $89,500 Building $358,000
2024		$47,750	$477,500 Land $95,500 Building $382,000
2023	$2,098.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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 864 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
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: GeoLinks, T-Mobile, Verizon, WeLink Communications.

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