645 S Saddle St, Gilbert, AZ 85233 Property Records

Maricopa County property record for 645 S Saddle St, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,391 sqft · built 1993
Lot Size	0.155 acres (6,739 sqft)
Owner	2 Individual Names on File
Last Sale	$161,500 (Mar 2004)
Tax Bill	$1,699 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`302-32-806`

Property Details

APN / Parcel Number

Primary APN	`302-32-806`
Alternative APN	`302328066`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,391 sqft Living Area
1st Floor Area	1,391 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,739 sqft (0.155 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Area	367 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 S SADDLE ST
City	GILBERT
State	AZ
Zip	85233-7230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	MARTINQUE LOT 1-87 TR A-E MCR 348-19
Legal Range	5E
Legal Township	1S
Legal Section	13
Legal Subdivision	MARTINQUE LOT 1-87 TR A-E
Legal Lot Number	10
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1025
Census Tract	422403

Owner

645 S Saddle St is owned by two individuals who bought it in March 2004.

Source: Maricopa County records, as of October 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	13201 S WAKIAL LOOP, 3044, PHOENIX, AZ 85044-5033
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 2, 2021	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2004 · Amount on File
Deed Sale	Mar 29, 2004 · Amount on File
Prior Sale	Jul 3, 2000 · Amount on File
Deed Document Number	2004319430
Prior Transfer Date	Mar 23, 2004
Prior Transfer Doc	0000319430
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	645 S SADDLE ST, GILBERT, AZ 85233-7230
Transaction Type	Mortgage
Record Updated	Dec 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001280642
Date	Dec 2, 2021
Instrument	20211280642

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	645 S SADDLE ST, GILBERT, AZ 85233-7230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DHI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 S SADDLE ST, GILBERT, AZ 85233-7230

Mortgage

Document Number	0000887157
Date	Sep 21, 2020
Instrument	20200887157

Lender

Name	NFM LENDING
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 645 S Saddle St was $1,699.

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		$41,120 (+119.21%)	$411,200 (+5.09%) Land $82,200 Building $329,000
2025	$1,699.00	$18,758 (-55.05%)	$391,300 (-6.23%) Land $78,200 Building $313,100
2024		$41,730	$417,300 Land $83,400 Building $333,900
2023	$1,661.00

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 645 S Saddle St in Zone X, an area of moderate flood risk.

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

Wildfire risk around 645 S Saddle St is low, with less than a 0.01% annual chance of 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	None beyond 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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