895 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 895 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,945 sqft · built 2000
Lot Size	0.129 acres (5,632 sqft)
Owner	2 Company Names on Record
Last Sale	$285,000 (Oct 2018)
Tax Bill	$1,613 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`309-18-165`

Property Details

APN / Parcel Number

Primary APN	`309-18-165`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,945 sqft Living Area
1st Floor Area	1,945 sqft

Exterior

Year Built	Built 2000
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	895 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 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	164
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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 31, 2020	Quit Claim Deed, Transfer FINANCE OF AMERICA MTG
Sep 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage USAA
Oct 25, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Prior Sale	Oct 25, 2018 · Amount on Record
Deed Document Number	0000797218
Last Transfer Date	Nov 25, 2024
Transfer Doc	0000630761
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407

Mortgage

Document Number	0001174035
Date	Nov 30, 2020
Instrument	20201174035

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 31, 2020
Property Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407
Document Number	0001299062
Instrument Date	Dec 28, 2020
Instrument	1299062
Transaction Type	Transfer
Record Updated	Jan 7, 2021
Title Company	LAWYERS TITLE, LAWYERS TITLE/AZ

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4532 GOLF VIEW DR BRIGHTON MI 481169745, BRIGHTON, MI 48116-9745

Mortgage

Document Number	1299063
Date	Dec 31, 2020
Instrument	1299063

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407
Document Number	0000770063
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	895 E SARATOGA ST GILBERT AZ 852962407, GILBERT, AZ 85296-2407

Mortgage

Document Number	0000770063
Date	Sep 30, 2019
Instrument	770063

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 25, 2018
Property Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407
Document Number	0000797218
Map Reference	MB 459 PG 21
Instrument Date	Oct 18, 2018
Instrument	20180797218
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TITLE ALLIANCE OF ARIZONA LL

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	7450 COUNTRY CLUB DR, 7450, PINETOP, AZ 85935-8714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	895 E SARATOGA ST, GILBERT, AZ 85296-2407

Mortgage

Document Number	0000797219
Date	Oct 25, 2018
Instrument	20180797219

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$42,510 (-0.58%)	$425,100 (-0.58%) Land $85,000 Building $340,100
2025	$1,613.00
2024		$42,760	$427,600 Land $85,500 Building $342,100
2023	$1,613.00

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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