648 S Cholla St, Gilbert, AZ 85233 Property Records

Maricopa County property record for 648 S Cholla St, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,299 sqft · built 1992
Lot Size	0.157 acres (6,830 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Apr 2026)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Apr 2026 Sale Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`302-32-669`

Property Details

APN / Parcel Number

Primary APN	`302-32-669`
Alternative APN	`302326695`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,299 sqft Living Area
Gross Area	2,479 sqft
1st Floor Area	1,262 sqft
2nd Floor Area	1,037 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,830 sqft (0.157 acres)
View / Lot	Commercial/Industrial
Parking Spaces	3 Parking Spaces
Pool Area	409 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 S CHOLLA ST
City	GILBERT
State	AZ
Zip	85233-7319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	PARCEL 3 OF LAGO ESTANCIA LOT 31-90 TR A-E MCR 347-14
Legal Range	5E
Legal Township	1S
Legal Section	13
Legal Subdivision	PARCEL 3 OF LAGO ESTANCIA LOT 31-90 TR A
Legal Lot Number	36
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1004
Census Tract	422403

Owner

Source: Maricopa County records, as of May 5, 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	510 S QUAIL LN, GILBERT, AZ 85233-6809
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit DESERT SCHOOLS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Deed Document Number	2026256253
Prior Transfer Date	Jun 28, 2002
Prior Transfer Doc	0000941424
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 29, 2026
Property Address	648 S CHOLLA ST, GILBERT, AZ 85233-7319
Document Number	0000256253
Instrument Date	Apr 27, 2026
Instrument	2026.256253
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	510 S QUAIL LN, GILBERT, AZ 85233-6809

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 S CHOLLA ST, GILBERT, AZ 85233-7319
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 S CHOLLA ST, GILBERT, AZ 85233-7319

Mortgage

Document Number	0000657281
Date	Aug 22, 2022
Instrument	20220657281

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 S CHOLLA ST, GILBERT, AZ 85233-7319
Document Number	0000568878
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	648 S CHOLLA ST GILBERT AZ 852337319, GILBERT, AZ 85233-7319

Mortgage

Document Number	0000568878
Date	Aug 2, 2017
Instrument	568878

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 1, 2042

Interest

Rate Type	Adjustable Rate

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		$54,850 (+68.23%)	$548,500 (+9.79%) Land $109,700 Building $438,800
2025	$2,473.00 (+3.21%)	$32,604 (-38.83%)	$499,600 (-6.27%) Land $99,900 Building $399,700
2024		$53,300	$533,000 Land $106,600 Building $426,400
2023	$2,396.00

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

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

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 749 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
Verizon Fixed Wireless	1,000 / 75
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: T-Mobile, WeLink Communications.

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