977 E Saratoga St, Gilbert, AZ 85296 Property Records

Maricopa County property record for 977 E Saratoga St, Gilbert, AZ 85296

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,196 sqft · built 2001
Lot Size	0.137 acres (5,990 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Apr 2025)
Tax Bill	$1,232 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`309-18-176`

Property Details

APN / Parcel Number

Primary APN	`309-18-176`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 2001
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,990 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	977 E SARATOGA ST
City	GILBERT
State	AZ
Zip	85296-2424
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	SW
Legal Subdivision	MIRADOR ESTATES AMENDED
Legal Lot Number	175
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	977 E SARATOGA ST, GILBERT, AZ 85296-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 13, 2020	Warranty Deed, Transfer · FHA Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2025 · Amount on Record
Deed Sale	Apr 4, 2025 · Amount on Record
Prior Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	20250188934
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	977 E SARATOGA ST, GILBERT, AZ 85296-2424
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	GRAND CANYON TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 E SARATOGA ST, GILBERT, AZ 85296-2424

Mortgage

Document Number	0001053620
Date	Sep 30, 2021
Instrument	20211053620

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 13, 2020
Property Address	977 E SARATOGA ST, GILBERT, AZ 85296-2424
Document Number	0000978790
Map Reference	MB 459 PG 21
Instrument Date	Oct 7, 2020
Instrument	20200978790
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	LAWYERS TITLE OF ARIZONA INC

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	13200 N 102ND PL, 13200, SCOTTSDALE, AZ 85260-7296

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	977 E SARATOGA ST, GILBERT, AZ 85296-2424

Mortgage

Document Number	0000978791
Date	Oct 13, 2020
Instrument	20200978791

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

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

Mortgage

Document Number	0000978792
Date	Oct 13, 2020
Instrument	20200978792

Lender

Name	ARIZONA INDUSTRIAL DEVELOPMENT AUTHORITY
Type	Government Agency
Address	PARADISE VALLEY, AZ 85253

Agreement

Type	Second Mortgage (Down Payment)
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		$36,030 (+0.31%)	$360,300 (+0.31%) Land $72,000 Building $288,300
2025	$1,232.00 (+2.07%)
2024		$35,920	$359,200 Land $71,800 Building $287,400
2023	$1,207.00

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 97% of the US · lower than 99.4% of Arizona
Wildfire Likelihood	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 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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