649 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 649 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,017 sqft · built 1993
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Mar 2018)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`304-23-775`

Property Details

APN / Parcel Number

Primary APN	`304-23-775`
Alternative APN	`304237754`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,017 sqft Living Area
Gross Area	2,167 sqft
1st Floor Area	2,017 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Concrete
Lot Area	8,750 sqft (0.201 acres)
Parking Spaces	3 Parking Spaces
Pool Area	375 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	649 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	SPRING MEADOWS COMMONS LOT 1-92 TR A-C MCR 313-16
Legal Range	6E
Legal Township	1S
Legal Section	18
Legal Subdivision	SPRING MEADOWS COMMONS LOT 1-92 TR A-C
Legal Lot Number	90
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2013
Census Tract	422404

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	2 Individual Names on Record
Mailing Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 13, 2021	Intrafamily Transfer, Transfer
Mar 28, 2018	Warranty Deed, Transfer · Conventional Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	Jun 6, 2003 · Amount on Record
Deed Document Number	2018232690
Prior Transfer Date	Apr 7, 1997
Prior Transfer Doc	0000241865
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341

Mortgage

Document Number	0000874309
Date	Sep 17, 2020
Instrument	20200874309

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Aug 13, 2021
Property Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341
Document Number	0000879116
Map Reference	MB 322 PG 24
Instrument Date	Aug 26, 2020
Instrument	20210879116
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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	Joint Tenants with Right of Survivorship
Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 28, 2018
Property Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341
Document Number	0000232690
Map Reference	MB 322 PG 24
Instrument Date	Feb 26, 2018
Instrument	20180232690
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2550 S ELLSWORTH RD # RD660, 2550, MESA, AZ 85209-1197

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 E SARATOGA ST, GILBERT, AZ 85296-2341

Mortgage

Document Number	0000232691
Date	Mar 28, 2018
Instrument	20180232691

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$50,260 (+88.39%)	$502,600 (+8.16%) Land $100,500 Building $402,100
2025	$2,390.00 (+2.09%)	$26,678 (-47.04%)	$464,700 (-7.74%) Land $92,900 Building $371,800
2024		$50,370	$503,700 Land $100,700 Building $403,000
2023	$2,341.00

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 · 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Arizona Network Fixed Wireless	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Tristate Wi-Fi by Wi-Fiber, Verizon.

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