643 W Harvard Ave, Gilbert, AZ 85233 Property Records

Maricopa County property record for 643 W Harvard Ave, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,690 sqft · built 1996
Lot Size	0.176 acres (7,697 sqft)
Owner	2 Trust Names on File
Last Sale	$246,000 (Sep 2002)
Tax Bill	$2,504 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2021 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`310-05-005`

Property Details

APN / Parcel Number

Primary APN	`310-05-005`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,690 sqft Living Area
1st Floor Area	1,469 sqft
2nd Floor Area	1,221 sqft

Exterior

Year Built	Built 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,697 sqft (0.176 acres)
Parking Spaces	3 Parking Spaces
Pool Area	350 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	643 W HARVARD AVE
City	GILBERT
State	AZ
Zip	85233-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	SILVERHAWKE MCR 376/34
Legal Range	05E
Legal Township	01S
Legal Section	01
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	SILVERHAWKE
Legal Lot Number	5
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2013
Census Tract	422308

Owner

643 W Harvard Ave is owner-occupied and held in a trust since August 2021.

Source: Maricopa County records, as of November 20, 2025

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	643 W HARVARD AVE, GILBERT, AZ 85233-3216
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Aug 27, 2021	Intrafamily Transfer, Transfer
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BK/AZ
Apr 7, 2017	Deed of Trust, Mortgage · Line of Credit DESERT SCHOOLS FCU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 4, 2002 · Amount on File
Deed Sale	Sep 4, 2002 · Amount on File
Prior Sale	Sep 4, 2002 · Amount on File
Deed Document Number	0000903394
Last Transfer Date	Aug 27, 2021
Transfer Doc	0000931312
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	643 W HARVARD AVE, GILBERT, AZ 85233-3216
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 W HARVARD AVE, GILBERT, AZ 85233-3216

Mortgage

Document Number	0000547034
Date	May 17, 2021
Instrument	20210547034

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2031

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Aug 27, 2021
Property Address	643 W HARVARD AVE, GILBERT, AZ 85233-3216
Document Number	0000931312
Map Reference	MB 376 PG 34
Instrument Date	Aug 27, 2021
Instrument	20210931312
Transaction Type	Transfer
Record Updated	Mar 5, 2024

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	643 W HARVARD AVE, GILBERT, AZ 85233-3216

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	643 W HARVARD AVE, GILBERT, AZ 85233-3216
Document Number	0000082241
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	643 W HARVARD AVE GILBERT AZ 852333216, GILBERT, AZ 85233-3216

Mortgage

Document Number	0000082241
Date	Feb 1, 2018
Instrument	82241

Lender

Name	COMMERCE BK/AZ
Type	Bank
Address	TUCSON, AZ 85716

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	643 W HARVARD AVE, GILBERT, AZ 85233-3216
Document Number	0000258744
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	643 W HARVARD AVE GILBERT AZ 852333216, GILBERT, AZ 85233-3216

Mortgage

Document Number	0000258744
Date	Apr 12, 2017
Instrument	258744

Lender

Name	DESERT SCHOOLS FCU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 11, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 643 W Harvard Ave was $2,504.

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		$54,670	$546,700 Land $109,300 Building $437,400
2025	$2,504.00
2024		$55,420	$554,200 Land $110,800 Building $443,400
2023	$2,417.00

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

FEMA maps place 643 W Harvard Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	36 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

The area around 643 W Harvard Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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