651 S Concord St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 651 S Concord St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 2000
Lot Size	0.125 acres (5,462 sqft)
Owner	2 Individual Names on File
Last Sale	$452,000 (Feb 2022)
Tax Bill	$1,224 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2022 Transfer + 5 more
Flood Zone	Zone X (moderate risk)
APN	`309-18-045`

Property Details

APN / Parcel Number

Primary APN	`309-18-045`
Alternative APN	`309180450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	5,462 sqft (0.125 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	651 S CONCORD ST
City	GILBERT
State	AZ
Zip	85296-3040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	MIRADOR ESTATES AMENDED MCR 459-21
Legal Range	6E
Legal Township	1S
Legal Section	17
Legal Subdivision	MIRADOR ESTATES AMENDED
Legal Lot Number	44
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1017
Census Tract	422511

Owner

651 S Concord St is owned and occupied by two individuals who bought it in February 2022.

Source: Maricopa County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 15, 2022	Intrafamily Transfer, Transfer LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA INC
Feb 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Dec 14, 2018	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Dec 14, 2018	Warranty Deed, Transfer EMPIRE W TITLE AGENCY
Dec 14, 2018	Quit Claim Deed, Transfer EMPIRE W TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Prior Sale	Dec 14, 2018 · Amount on File
Deed Document Number	2022139966
Prior Transfer Date	May 18, 2020
Prior Transfer Doc	0000439337
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 S CONCORD ST, GILBERT, AZ 85296-3040

Mortgage

Document Number	0000497171
Date	May 4, 2021
Instrument	20210497171

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Feb 15, 2022
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Document Number	0000139968
Map Reference	MB 459 PG 21
Instrument Date	Feb 14, 2022
Instrument	20220139968
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA 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	Joint Tenants with Right of Survivorship
Address	651 S CONCORD ST, GILBERT, AZ 85296-3040

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Feb 15, 2022
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Document Number	0000139966
Map Reference	MB 459 PG 21
Instrument Date	Jan 18, 2022
Instrument	20220139966
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	LAWYERS TITLE/KANSAS INC, LAWYERS TITLE OF ARIZONA INC

Transaction

Amount	Amount on Record
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	651 S CONCORD ST, 651, GILBERT, AZ 85296-3040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 S CONCORD ST, GILBERT, AZ 85296-3040

Mortgage

Document Number	0000139967
Date	Feb 15, 2022
Instrument	20220139967

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	May 22, 2020
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Document Number	0000439337
Map Reference	MB 459 PG 21
Instrument Date	May 18, 2020
Instrument	20200439337
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	LAWYERS TITLE OF ARIZONA 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

Mortgage

Document Number	0000439338
Date	May 22, 2020
Instrument	20200439338

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 14, 2018
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Document Number	0000918243
Map Reference	MB 459 PG 21
Instrument Date	Dec 10, 2018
Instrument	20180918243
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	EMPIRE WEST TITLE AGENCY LLC

Transaction

Amount	Amount on Record
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	651 S CONCORD ST, 651, GILBERT, AZ 85296-3040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 S CONCORD ST, GILBERT, AZ 85296-3040

Mortgage

Document Number	0000918244
Date	Dec 14, 2018
Instrument	20180918244

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 14, 2018
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Document Number	0000918242
Instrument Date	Dec 5, 2018
Instrument	918242
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	EMPIRE W TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 S CONCORD ST GILBERT AZ 852963040, GILBERT, AZ 85296-3040

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 14, 2018
Property Address	651 S CONCORD ST, GILBERT, AZ 85296-3040
Document Number	0000918241
Instrument Date	Aug 31, 2018
Instrument	918241
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	EMPIRE W TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	651 S CONCORD ST GILBERT AZ 852963040, GILBERT, AZ 85296-3040

Tax Assessment & Valuation

The 2025 property tax bill for 651 S Concord St was $1,224.

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		$35,120 (+118.07%)	$351,200 (+7.04%) Land $70,200 Building $281,000
2025	$1,224.00	$16,105 (-54.05%)	$328,100 (-6.39%) Land $65,600 Building $262,500
2024		$35,050	$350,500 Land $70,100 Building $280,400
2023	$1,185.00

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 651 S Concord St in Zone X, an area of moderate flood risk.

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

Wildfire risk around 651 S Concord St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 99.4% of Arizona
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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