10103 Patterson St, Bakersfield, CA 93311 Property Records

Kern County property record for 10103 Patterson St, Bakersfield, CA 93311

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,500 sqft · built 2005
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$589,000 (Jan 2024)
Tax Bill	$7,972 (2025)
Deeds & Mortgages	Jan 2024 Reverse Mortgage Jan 2024 Sale & Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`394-360-21-00-8`

Property Details

APN / Parcel Number

Primary APN	`394-360-21-00-8`
Alternative APNs	`394-360-21-8` `3943602100` `39436021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,500 sqft Living Area
Gross Area	3,927 sqft
1st Floor Area	2,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	760 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	198 sqft
Patio Area	46 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Solar

Location & Zoning

Account Number	394360218
Street Address	10103 PATTERSON ST
City	BAKERSFIELD
State	CA
Zip	93311-3053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5940 , BLOCK PHE, LOT 21
Legal Subdivision	5940 PH E
Legal Tract	5940
Legal Block	3
Legal Lot Number	21
Jurisdiction	KERN CA
Township / Civil Division	BAKERSFIELD
Census Block Group	3
Census Block	3005
Census Tract	2820

Owner

10103 Patterson St is owned and occupied by two individuals who bought it in January 2024.

Source: Kern County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jan 8, 2024	Grant Deed, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jan 28, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2024 · Amount on File
Deed Sale	Jan 8, 2024 · Amount on File
Prior Sale	Aug 19, 2005 · Amount on File
Deed Document Number	20242667
Prior Transfer Date	Oct 30, 2006
Prior Transfer Doc	0000293116
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053

Mortgage

Document Number	0000002669
Date	Jan 8, 2024
Instrument	224002669

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.3%

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Jan 8, 2024
Property Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053
Document Number	0000002667
Map Reference	MB 47 PG 155&156
Instrument Date	Nov 29, 2023
Instrument	224002667
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053

Mortgage

Document Number	0000002668
Date	Jan 8, 2024
Instrument	224002668

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93311

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.31%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.3%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053
Transaction Type	Mortgage
Record Updated	Apr 12, 2023
Title Company	STEWART TITLE, STEWART TITLE CO GLENDALE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053

Mortgage

Document Number	0000037291
Date	Apr 3, 2023
Instrument	223037291

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.84%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.84%
Max Rate At Change	7.84%
Index	Prime Rate
Max Rate	11.8%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009089
Date	Jan 28, 2019
Instrument	219009089

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	10103 PATTERSON ST, BAKERSFIELD, CA 93311-3053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093521
Date	Aug 2, 2019
Instrument	219093521

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 17, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10103 Patterson St was $7,972 with a homeowner's exemption.

Source: Kern County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Kern County
Municipality	Bakersfield City
Elementary School District	Panama-Buena Vista School District (KG - 08)
Secondary School District	Kern High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$612,794 (+2%) Land $183,838 Building $428,956
2025	$7,972.00 Homeowner's exemption	$600,780 Land $180,234 Building $420,546
2023	$7,177.00 (+6.85%) Homeowner's exemption	$532,000 Land $133,000 Building $399,000
2022	$6,717.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 10103 Patterson St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

The area around 10103 Patterson St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CITY OF BAKERSFIELD serves 171,108 people · EPA ID CA1510031
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 579 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Applied Technology Group Fixed Wireless	500 / 500
unWired Broadband Fixed Wireless	400 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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