650 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 650 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,017 sqft · built 1991
Lot Size	0.215 acres (9,400 sqft)
Owner	Owner Name on Record
Last Sale	$105,804 (Jul 1991)
Tax Bill	$2,512 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`304-23-765`

Property Details

APN / Parcel Number

Primary APN	`304-23-765`

Interior

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

Exterior

Year Built	Built 1991
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Concrete Tile
Lot Area	9,400 sqft (0.215 acres)
Parking Spaces	2 Parking Spaces
Pool Area	600 sqft
Patio Area	146 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	650 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	SPRING MEADOWS COMMONS MCR 313-16
Legal Range	06E
Legal Township	01S
Legal Section	18
Legal Quarter	SE
Quarter-Quarter Section	NE
Legal Subdivision	SPRING MEADOWS COMMONS LOT 1-92 TR A-C
Legal Lot Number	80
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2017
Census Tract	422404

Owner

Source: Maricopa County records, as of November 20, 2025

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

Owner of Record	Owner Name on Record
Mailing Address	650 E SARATOGA ST, GILBERT, AZ 85296-2340
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEGACY MORTGAGE AND INVESTMENT CORPORATI LEGACY MORTGAGE AND INVESTMENT CORPORATI

Assessor's Deed Record

Last Sale	Jul 19, 1991 · Amount on Record
Deed Sale	Jul 19, 1991 · Amount on Record
Deed Document Number	19910333769
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Sep 24, 2026
Property Address	650 E SARATOGA ST, GILBERT, AZ 85296-2340
Document Number	0000558848
Instrument Date	Sep 19, 2026
Instrument	2026558848
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 E SARATOGA ST, GILBERT, AZ 85296-2340

Mortgage

Document Number	0000558848,
Date	Sep 24, 2026
Instrument	2026558848

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	650 E SARATOGA ST, GILBERT, AZ 85296-2340
Document Number	0000962436
Instrument Date	Oct 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	DRIGGS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 E SARATOGA ST GILBERT AZ 852962340, GILBERT, AZ 85296-2340

Mortgage

Document Number	0000962436
Date	Oct 8, 2020
Instrument	962436

Lender

Name	LEGACY MORTGAGE AND INVESTMENT CORPORATI LEGACY MORTGAGE AND INVESTMENT CORPORATI
Type	Bank
Address	TEMPE, AZ 85282

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2050

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of January 1, 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		$49,500 (-0.74%)	$495,000 (-0.74%) Land $99,000 Building $396,000
2025	$2,512.00 (+8.04%)
2024		$49,870	$498,700 Land $99,700 Building $399,000
2023	$2,325.00

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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