846 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 846 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,412 sqft · built 2001
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Sep 2017)
Tax Bill	$1,375 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`309-18-152`

Property Details

APN / Parcel Number

Primary APN	`309-18-152`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
1st Floor Area	1,412 sqft

Exterior

Year Built	Built 2001
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,750 sqft (0.132 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	846 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2404
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	151
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1014
Census Tract	422511

Owner

846 E Saratoga St is owned and occupied by an individual who bought it in September 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	846 E SARATOGA ST, GILBERT, AZ 85296-2404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 28, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2017 · Amount on File
Deed Sale	Sep 28, 2017 · Amount on File
Prior Sale	Oct 17, 2011
Deed Document Number	20170718546
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	846 E SARATOGA ST, GILBERT, AZ 85296-2404
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 E SARATOGA ST, GILBERT, AZ 85296-2404

Mortgage

Document Number	0000662849
Date	Aug 23, 2022
Instrument	20220662849

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	346 Months
Due	Jun 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Sep 28, 2017
Property Address	846 E SARATOGA ST, GILBERT, AZ 85296-2404
Document Number	0000718546
Instrument Date	Sep 8, 2017
Instrument	718546
Transaction Type	Transfer
Record Updated	Oct 5, 2017
Title Company	CLEAR TITLE AGENCY/AZ, CLEAR TITLE AGCY/AZ

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 E SARATOGA ST GILBERT AZ 852962404, GILBERT, AZ 85296-2404

Mortgage

Document Number	718547
Date	Sep 28, 2017
Instrument	718547

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 846 E Saratoga St was $1,375.

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		$37,750	$377,500 Land $75,500 Building $302,000
2025	$1,375.00
2024		$37,810	$378,100 Land $75,600 Building $302,500
2023	$1,332.00

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 846 E Saratoga 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 846 E Saratoga St is low, with less than 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 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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