865 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 865 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,544 sqft · built 2001
Lot Size	0.129 acres (5,632 sqft)
Owner	Individual Name on File
Tax Bill	$1,454 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jun 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`309-18-161`

Property Details

APN / Parcel Number

Primary APN	`309-18-161`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,544 sqft

Exterior

Year Built	Built 2001
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,632 sqft (0.129 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	865 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	160
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1016
Census Tract	422511

Owner

865 E Saratoga St is owned and occupied by an individual who acquired it in July 2005.

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

Owner of Record	Individual Name on File
Mailing Address	865 E SARATOGA ST, GILBERT, AZ 85296-2406
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
Mar 19, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage ARIZONA IND'L DEV AUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2005
Deed Sale	Jul 13, 2005
Prior Sale	Jun 26, 2001 · Amount on File
Deed Document Number	2005-0963096
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	865 E SARATOGA ST, GILBERT, AZ 85296-2406
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 E SARATOGA ST, GILBERT, AZ 85296-2406

Mortgage

Document Number	0000139543
Date	Mar 19, 2024
Instrument	20240139543

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 16, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 29, 2018
Property Address	865 E SARATOGA ST, GILBERT, AZ 85296-2406
Document Number	0000496718
Instrument Date	Jun 21, 2018
Instrument	496718
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2840 W ORCHID LN PHOENIX AZ 850514056, PHOENIX, AZ 85051-4056

Mortgage

Document Number	496720
Date	Jun 29, 2018
Instrument	496720

Lender

Name	ARIZONA IND'L DEV AUTH
Address	SCOTTSDALE, AZ 85253

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	496719,
Date	Jun 29, 2018
Instrument	496719

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 865 E Saratoga St was $1,454.

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		$39,320	$393,200 Land $78,600 Building $314,600
2025	$1,454.00
2024		$39,370	$393,700 Land $78,700 Building $315,000
2023	$1,408.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 865 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 865 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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