978 S Oak St, Gilbert, AZ 85233 Property Records

Maricopa County property record for 978 S Oak St, Gilbert, AZ 85233

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,243 sqft · built 2000
Lot Size	0.171 acres (7,480 sqft)
Owner	Trust Name on File
Last Sale	$344,000 (Feb 2018)
Tax Bill	$2,680 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`302-82-910`

Property Details

APN / Parcel Number

Primary APN	`302-82-910`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,243 sqft Living Area
1st Floor Area	2,243 sqft

Exterior

Year Built	Built 2000
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,480 sqft (0.171 acres)
Parking Spaces	3 Parking Spaces
Pool Area	416 sqft
Patio Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	978 S OAK ST
City	GILBERT
State	AZ
Zip	85233-7739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	RAVEN RANCH MCR 471-22
Legal Range	05E
Legal Township	01S
Legal Section	24
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	RAVEN RANCH
Legal Lot Number	166
Jurisdiction	MARICOPA AZ
Township / Civil Division	CHANDLER
Census Block Group	2
Census Block	2003
Census Tract	814300

Owner

978 S Oak St is held in a trust since February 2018.

Source: Maricopa County records, as of November 20, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	31705 CRYSTAL SANDS DR, LAGUNA NIGUEL, CA 92677-2752
Owner Type	Individual, Secondary Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2018 · Amount on File
Deed Sale	Feb 16, 2018 · Amount on File
Prior Sale	Nov 13, 2009 · Amount on File
Deed Document Number	20180122230
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Feb 16, 2018
Property Address	978 S OAK ST, GILBERT, AZ 85233-7739
Document Number	0000122230
Map Reference	MB 471 PG 22
Instrument Date	Feb 8, 2018
Instrument	20180122230
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	610 HOWATT DR SW, 610, EDMONTON, XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31705 CRYSTAL SANDS DR, LAGUNA NIGUEL, CA 92677-2752

Mortgage

Document Number	0000122231
Date	Feb 16, 2018
Instrument	20180122231

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 978 S Oak St was $2,680.

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		$53,530	$535,300 Land $107,000 Building $428,300
2025	$2,680.00
2024		$53,820	$538,200 Land $107,600 Building $430,600
2023	$2,593.00

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

FEMA maps place 978 S Oak St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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

Wildfire risk around 978 S Oak St is low, with less than a 0.01% annual chance of 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	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 398 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, GeoLinks, Tristate Wi-Fi by Wi-Fiber.

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