648 S Saddle St, Gilbert, AZ 85233 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,704 sqft · built 1995
Lot Size	0.148 acres (6,439 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Aug 2005)
Tax Bill	$1,521 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`302-32-801`

Property Details

APN / Parcel Number

Primary APN	`302-32-801`
Alternative APN	`302328010`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,704 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	874 sqft
2nd Floor Area	830 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,439 sqft (0.148 acres)
Parking Spaces	3 Parking Spaces
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 S SADDLE ST
City	GILBERT
State	AZ
Zip	85233-7229
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	5
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1025
Census Tract	422403

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	648 S SADDLE ST, GILBERT, AZ 85233-7229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit ONEAZ CU
Aug 31, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DEFINE MORTGAGE SOLUTIONS LLC
Jul 5, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage DESERT SCHOOLS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2005 · Amount on Record
Deed Sale	Aug 25, 2005 · Amount on Record
Prior Sale	Feb 23, 2005 · Amount on Record
Deed Document Number	20051235531
Prior Transfer Date	Aug 24, 1994
Prior Transfer Doc	0000694374
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	648 S SADDLE ST, GILBERT, AZ 85233-7229
Transaction Type	Mortgage
Record Updated	Jul 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 S, GILBERT, AZ 85233

Mortgage

Document Number	0000334724
Date	Jun 27, 2023
Instrument	20230334724

Lender

Name	ONEAZ CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Aug 31, 2021
Property Address	648 S SADDLE ST, GILBERT, AZ 85233-7229
Document Number	0000944024
Map Reference	MB 348 PG 19
Instrument Date	Aug 25, 2021
Instrument	20210944024
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY INC

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
Relationship	Community Property with Right of Survivorship
Address	648 S SADDLE ST, GILBERT, AZ 85233-7229

Mortgage

Document Number	0000944025
Date	Aug 31, 2021
Instrument	20210944025

Lender

Name	DEFINE MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jul 5, 2018
Property Address	648 S SADDLE ST, GILBERT, AZ 85233-7229
Document Number	0000511004
Map Reference	MB 348 PG 19
Instrument Date	May 31, 2018
Instrument	20180511004
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	OLD REPUBLIC TITLE AGENCY

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
Relationship	Community Property with Right of Survivorship
Address	648 S SADDLE ST, GILBERT, AZ 85233-7229

Mortgage

Document Number	0000511005
Date	Jul 5, 2018
Instrument	20180511005

Lender

Name	DESERT SCHOOLS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2033

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		$42,030 (+109.38%)	$420,300 (+5.87%) Land $84,000 Building $336,300
2025	$1,521.00 (+3.05%)	$20,074 (-52.45%)	$397,000 (-5.97%) Land $79,400 Building $317,600
2024		$42,220	$422,200 Land $84,400 Building $337,800
2023	$1,476.00

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	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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