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646 S Cardinal St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 646 S Cardinal St, Gilbert, AZ 85296

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 3,093 sqft · built 1998
Lot Size0.205 acres (8,921 sqft)
Owner2 Trust Names on File
Last Sale$205,347 (Nov 1998)
Tax Bill$2,661 (2025)
Deeds & MortgagesJun 2025 Transfer
Flood ZoneZone X (moderate risk)
APN304-27-547

Property Details

APN / Parcel Number

Primary APN304-27-547
Alternative APN
  • 304275477

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms9 Rooms
Stories2 Stories
Building Area3,093 sqft Living Area
Gross Area3,261 sqft
1st Floor Area1,507 sqft
2nd Floor Area1,586 sqft

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialWood
Construction TypeFrame
Roof MaterialConcrete
Lot Area8,921 sqft (0.205 acres)
Parking Spaces3 Parking Spaces
Pool Area350 sqft
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemRefrigeration
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address646 S CARDINAL ST
CityGILBERT
StateAZ
Zip85296-9528
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-7
Legal DescriptionGREENFIELD LAKES PARCEL 2 UNIT 2 MCR 431-22
Legal Range6E
Legal Township1S
Legal Section15
Legal SubdivisionGREENFIELD LAKES PARCEL 2 UNIT 2
Legal Lot Number45
Legal Unit2
JurisdictionMARICOPA AZ
Township / Civil DivisionPHOENIX
Census Block Group3
Census Block3013
Census Tract422656

Owner

646 S Cardinal St is owner-occupied and held in a trust since June 2025.

Source: Maricopa County records, as of June 26, 2026

Owner of Record2 Trust Names on File
Mailing Address646 S CARDINAL ST, GILBERT, AZ 85296-9528
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 6, 1998 · Amount on File
Deed SaleNov 6, 1998 · Amount on File
Prior SaleJun 30, 1998 · Amount on File
Deed Document Number19981004060
Last Transfer DateJun 5, 2025
Transfer Doc0000326232
Record UpdatedOct 29, 2026

June 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARICOPA AZ
Recording DateJun 5, 2025
Property Address646 S CARDINAL ST, GILBERT, AZ 85296-9528
Document Number0000326232
Map ReferenceMB 431 PG 22
Instrument DateJun 5, 2025
Instrument20250326232
Transaction TypeTransfer
Record UpdatedMar 24, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address646 S CARDINAL ST, GILBERT, AZ 85296-9528

Tax Assessment & Valuation

The 2025 property tax bill for 646 S Cardinal St was $2,661.

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

TypeName
StateArizona
CountyMaricopa County
MunicipalityGilbert Town
Unified School DistrictGilbert Unified District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$59,560 (+72.9%)$595,600 (+6.04%) Land $119,100 Building $476,500
2025$2,661.00$34,448 (-42.88%)$561,700 (-6.86%) Land $112,300 Building $449,400
2024$60,310$603,100 Land $120,600 Building $482,500
2023$2,581.00

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 646 S Cardinal St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 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

Wildfire risk around 646 S Cardinal 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 RiskLow
lower than 98% of the US · lower than 99.6% of Arizona
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemTOWN OF GILBERT
serves 247,600 people · EPA ID AZ0407092
Water SourceSurface water
Last State InspectionOct 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2017
Treatment and ProcedureTreatment report not submitted
Oct 2017
Monitoring and Reporting53
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 472 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Cox Communications
Cable · Fiber in parts of the area		2,000 / 100
CenturyLink
DSL · Fiber in parts of the area		140 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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