889 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 889 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	2 Individual Names on Record
Last Sale	$135,000 (Apr 2009)
Tax Bill	$1,454 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2022 Transfer
Flood Zone	Zone X (moderate risk)
APN	`309-18-164`

Property Details

APN / Parcel Number

Primary APN	`309-18-164`
Alternative APN	`309181641`

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
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	5,632 sqft (0.129 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	889 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2407
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	163
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1016
Census Tract	422511

Owner

Source: Maricopa County records, as of October 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	889 E SARATOGA ST, GILBERT, AZ 85296-2407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 21, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2009 · Amount on Record
Deed Sale	Apr 3, 2009 · Amount on Record
Prior Sale	May 22, 2008 · Amount on Record
Deed Document Number	2009296959
Prior Transfer Date	May 25, 2001
Prior Transfer Doc	0000455332
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	889 E SARATOGA ST, GILBERT, AZ 85296-2407
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 W PALOMINO DR, CHANDLER, AZ 85224-1637

Mortgage

Document Number	0000690971
Date	Sep 6, 2022
Instrument	20220690971

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Oct 1, 2025
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	8.87%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jul 21, 2022
Property Address	889 E SARATOGA ST, GILBERT, AZ 85296-2407
Document Number	0000588119
Map Reference	MB 459 PG 21
Instrument Date	Jul 20, 2022
Instrument	20220588119
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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	889 E SARATOGA ST, GILBERT, AZ 85296-2407

Tax Assessment & Valuation

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		$39,320 (+105.5%)	$393,200 (+6.94%) Land $78,600 Building $314,600
2025	$1,454.00 (-14.22%)	$19,134 (-51.4%)	$367,700 (-6.6%) Land $73,500 Building $294,200
2024		$39,370	$393,700 Land $78,700 Building $315,000
2023	$1,695.00

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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