686 S Cardinal St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 686 S Cardinal St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,093 sqft · built 1998
Lot Size	0.193 acres (8,416 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Jan 2023)
Tax Bill	$2,660 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jan 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`304-27-551`

Property Details

APN / Parcel Number

Primary APN	`304-27-551`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,093 sqft Living Area
1st Floor Area	1,507 sqft
2nd Floor Area	1,586 sqft

Exterior

Year Built	Built 1998
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	8,416 sqft (0.193 acres)
Parking Spaces	3 Parking Spaces
Pool Area	420 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	686 S CARDINAL ST
City	GILBERT
State	AZ
Zip	85296-9530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	GREENFIELD LAKES PARCEL 2 UNIT 2 MCR 431-22
Legal Range	06E
Legal Township	01S
Legal Section	15
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	GREENFIELD LAKES PARCEL 2 UNIT 2
Legal Lot Number	49
Legal Unit	2
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	3
Census Block	3013
Census Tract	422656

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	686 S CARDINAL ST, GILBERT, AZ 85296-9530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Intrafamily Transfer, Transfer FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL AGCY OF
Jan 20, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Jan 20, 2023
Deed Document Number	20230033211
Record Updated	Jun 8, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jan 20, 2023
Property Address	686 S CARDINAL ST, GILBERT, AZ 85296-9530
Document Number	0000033210
Map Reference	MB 431 PG 22
Instrument Date	Jan 12, 2023
Instrument	20230033210
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL AGCY OF

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
Address	4061 E OAKLAND ST, GILBERT, AZ 85295-6116

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 20, 2023
Property Address	686 S CARDINAL ST, GILBERT, AZ 85296-9530
Document Number	0000033211
Map Reference	MB 431 PG 22
Instrument Date	Jan 12, 2023
Instrument	20230033211
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL AGCY OF

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	4061 E OAKLAND ST, GILBERT, AZ 85295-6116

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	686 S CARDINAL ST, GILBERT, AZ 85296-9530

Mortgage

Document Number	0000033212
Date	Jan 20, 2023
Instrument	20230033212

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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		$59,460 (-1.23%)	$594,600 (-1.23%) Land $118,900 Building $475,700
2025	$2,660.00 (+3.1%)
2024		$60,200	$602,000 Land $120,400 Building $481,600
2023	$2,580.00

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 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 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	Low lower than 98% of the US · lower than 99.6% 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 472 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on S Cardinal St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures