940 S Saddle St, Gilbert, AZ 85233 Property Records

Maricopa County property record for 940 S Saddle St, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,974 sqft · built 1996
Lot Size	0.16 acres (6,983 sqft)
Owner	Individual Name on Record
Last Sale	$680,000 (Mar 2022)
Tax Bill	$2,712 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jan 2022 Line of Credit + 6 more
Flood Zone	Zone X (moderate risk)
APN	`302-82-273`

Property Details

APN / Parcel Number

Primary APN	`302-82-273`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,974 sqft Living Area
1st Floor Area	1,514 sqft
2nd Floor Area	1,460 sqft

Exterior

Year Built	Built 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	6,983 sqft (0.16 acres)
Parking Spaces	3 Parking Spaces
Pool Area	600 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	940 S SADDLE ST
City	GILBERT
State	AZ
Zip	85233-7624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	COBBLECREEK 2 MCR 381/25
Legal Range	05E
Legal Township	01S
Legal Section	24
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	COBBLECREEK 2
Legal Lot Number	50
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2009
Census Tract	814300

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	940 S SADDLE ST, GILBERT, AZ 85233-7624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jan 3, 2022	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Oct 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ALLIANT CU
May 11, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Nov 30, 2017	Warranty Deed, Transfer · Conventional with PMI USAA
Apr 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage VIP CUSTOM HOMES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2022 · Amount on Record
Deed Sale	Mar 2, 2022 · Amount on Record
Prior Sale	Oct 8, 2020
Deed Document Number	20220191867
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Mar 2, 2022
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Document Number	0000191867
Map Reference	MB 381 PG 25
Instrument Date	Feb 24, 2022
Instrument	20220191867
Transaction Type	Transfer
Record Updated	Mar 14, 2022
Title Company	NOT AVAILABLE, NAVI TITLE AGENCY PLLC

Transaction

Amount	Amount Recorded
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	489 S ASH ST, 489, GILBERT, AZ 85233-6926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S SADDLE ST, GILBERT, AZ 85233-7624

Mortgage

Document Number	0000191868
Date	Mar 2, 2022
Instrument	20220191868

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002778
Date	Jan 3, 2022
Instrument	20220002778

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000330838
Date	Mar 25, 2021
Instrument	20210330838

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S SADDLE ST, GILBERT, AZ 85233-7624

Mortgage

Document Number	0000040219
Date	Jan 13, 2021
Instrument	20210040219

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Oct 8, 2020
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Document Number	0000961476
Map Reference	MB 381 PG 25
Instrument Date	Oct 2, 2020
Instrument	20200961476
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SILK ABSTRACT COMPANY

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
Address	940 S SADDLE ST, GILBERT, AZ 85233-7624

Mortgage

Document Number	0000961477
Date	Oct 8, 2020
Instrument	20200961477

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Document Number	0000762699
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	940 S SADDLE ST GILBERT AZ 852337624, GILBERT, AZ 85233-7624

Mortgage

Document Number	0000762699
Date	Aug 19, 2020
Instrument	762699

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 30, 2017
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Document Number	0000889444
Instrument Date	Oct 12, 2017
Instrument	889444
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	940 S SADDLE ST GILBERT AZ 852337624, GILBERT, AZ 85233-7624

Mortgage

Document Number	889446
Date	Nov 30, 2017
Instrument	889446

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	940 S SADDLE ST, GILBERT, AZ 85233-7624
Document Number	0000335919
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	May 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S SADDLE ST GILBERT AZ 852337624, GILBERT, AZ 85233-7624

Mortgage

Document Number	0000335919
Date	May 9, 2017
Instrument	335919

Lender

Name	VIP CUSTOM HOMES LLC
Address	3048 E BASELINE RD # 102, MESA, AZ 85204-7287

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$56,800 (+0.69%)	$568,000 (+0.69%) Land $113,600 Building $454,400
2025	$2,712.00 (+3.31%)
2024		$56,410	$564,100 Land $112,800 Building $451,300
2023	$2,625.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.1% of the US · lower than 99.8% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Arizona Network Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WeLink Communications.

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