845 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 845 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,762 sqft · built 2001
Lot Size	0.128 acres (5,611 sqft)
Owner	Individual Name on Record
Last Sale	$422,000 (May 2021)
Tax Bill	$1,595 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`309-18-158`

Property Details

APN / Parcel Number

Primary APN	`309-18-158`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,762 sqft Living Area
1st Floor Area	1,762 sqft

Exterior

Year Built	Built 2001
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,611 sqft (0.128 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	845 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	MIRADOR ESTATES AMD MCR 459-21
Legal Range	06E
Legal Township	01S
Legal Section	17
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	MIRADOR ESTATES AMENDED
Legal Lot Number	157
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1016
Census Tract	422511

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
Mailing Address	845 E SARATOGA ST, GILBERT, AZ 85296-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 27, 2021	Warranty Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	May 25, 2005 · Amount on Record
Deed Document Number	20210592906
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	845 E SARATOGA ST, GILBERT, AZ 85296-2406
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 E SARATOGA ST, GILBERT, AZ 85296-2406

Mortgage

Document Number	0000485502
Date	Jun 8, 2022
Instrument	20220485502

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	May 27, 2021
Property Address	845 E SARATOGA ST, GILBERT, AZ 85296-2406
Document Number	0000592906
Map Reference	MB 459 PG 21
Instrument Date	May 19, 2021
Instrument	20210592906
Transaction Type	Transfer
Record Updated	Jun 7, 2021
Title Company	SURETY TITLE AGENCY INC, SECURITY 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	845 E SARATOGA ST, 845, GILBERT, AZ 85296-2406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 E SARATOGA ST, GILBERT, AZ 85296-2406

Mortgage

Document Number	0000592907
Date	May 27, 2021
Instrument	20210592907

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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		$41,170 (-0.44%)	$411,700 (-0.44%) Land $82,300 Building $329,400
2025	$1,595.00 (+3.24%)
2024		$41,350	$413,500 Land $82,700 Building $330,800
2023	$1,545.00

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 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 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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