966 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 966 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,544 sqft · built 2001
Lot Size	0.148 acres (6,473 sqft)
Owner	Owner Name on Record
Last Sale	$186,000 (Aug 2008)
Tax Bill	$1,787 (2025)
Deeds & Mortgages	May 2022 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`309-18-133`

Property Details

APN / Parcel Number

Primary APN	`309-18-133`

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	6,473 sqft (0.148 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	966 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2420
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	132
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1014
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	Owner Name on Record
Mailing Address	966 E SARATOGA ST, GILBERT, AZ 85296-2420
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 18, 2018	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA/IL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2008 · Amount on Record
Deed Sale	Aug 1, 2008 · Amount on Record
Prior Sale	Jun 14, 2005 · Amount on Record
Deed Document Number	20080673782
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	966 E SARATOGA ST, GILBERT, AZ 85296-2420
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409992
Date	May 11, 2022
Instrument	20220409992

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	966 E SARATOGA ST, GILBERT, AZ 85296-2420
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001719
Date	Jan 2, 2020
Instrument	20200001719

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARICOPA AZ
Property Address	966 E SARATOGA ST, GILBERT, AZ 85296-2420
Document Number	0000406028
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	966 E SARATOGA ST GILBERT AZ 852962420, GILBERT, AZ 85296-2420

Mortgage

Document Number	0000406028
Date	May 29, 2018
Instrument	406028

Lender

Name	BANK OF AMERICA/IL
Type	Bank
Address	DENVER, CO 80249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 28, 2043

Interest

Rate	4.12%

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		$39,820 (-0.25%)	$398,200 (-0.25%) Land $79,600 Building $318,600
2025	$1,787.00 (+3.35%)
2024		$39,920	$399,200 Land $79,800 Building $319,400
2023	$1,729.00

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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