10285 Bluff St, Banning, CA 92220 Property Records

Riverside County property record for 10285 Bluff St, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,470 sqft · built 1985
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Company Names on Record
Last Sale	$660,000 (Apr 2021)
Tax Bill	$4,916 (2025)
Deeds & Mortgages	Jul 2021 Transfer Apr 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`531-020-045`

Property Details

APN / Parcel Number

Primary APN	`531-020-045`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,470 sqft Living Area
Gross Area	3,335 sqft
1st Floor Area	2,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Detached
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10285 BLUFF ST
City	BANNING
State	CA
Zip	92220-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	.90 ACRES NET IN PAR 4 PM 117/064 PM 19084
Legal Subdivision	TRACT NO 19084
Legal Tract	19084
Legal Lot Number	4
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	1
Census Block	1003
Census Tract	44104

Owner

Source: Riverside County records, as of August 6, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	10285 BLUFF ST, BANNING, CA 92220-1542
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Intrafamily Transfer, Transfer
Apr 15, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Oct 27, 2017	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Jul 27, 2018	Grant Deed, Transfer · Conventional Mortgage WHOLESALE CAPITAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	2021237275
Last Transfer Date	Jun 3, 2021
Transfer Doc	0000449460
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 28, 2021
Property Address	10285 BLUFF ST, BANNING, CA 92220-1542
Document Number	0000449460
Map Reference	MB 117 PG 64
Instrument Date	Jun 3, 2021
Instrument	2021-0449460
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	10285 BLUFF ST, BANNING, CA 92220-1542

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Apr 15, 2021
Property Address	10285 BLUFF ST, BANNING, CA 92220-1542
Document Number	0000237275
Map Reference	MB 117 PG 64
Instrument Date	Mar 30, 2021
Instrument	2021-0237275
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	10285 BLUFF ST, BANNING, CA 92220-1542

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	10285 BLUFF ST, BANNING, CA 92220-1542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000447183
Date	Oct 27, 2017
Instrument	2017-0447183

Lender

Name	COMPASS BANK
Type	Bank
Address	HEMET, CA 92544

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 10, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	10285 BLUFF ST, BANNING, CA 92220-1542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000240759
Date	Jun 5, 2020
Instrument	2020-0240759

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 27, 2018
Property Address	10285 BLUFF ST, BANNING, CA 92220-1542
Document Number	0000303488
Map Reference	MB 117 PG 64
Instrument Date	Jul 19, 2018
Instrument	2018-0303488
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	10285 BLUFF ST, BANNING, CA 92220-1542

Mortgage

Document Number	0000303489
Date	Jul 27, 2018
Instrument	2018-0303489

Lender

Name	WHOLESALE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Mortgage

Document Number	0000303490
Date	Jul 27, 2018
Instrument	2018-0303490

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of August 6, 2025

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Unified School District	Banning Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,916.00 (+1.97%) Homeowner's exemption	$360,667 (+4.04%) Land $43,715 Building $316,952
2024	$4,821.00 (+0.12%)
2023	$4,815.00 (+2.16%) Homeowner's exemption	$346,664 Land $42,018 Building $304,646
2022	$4,713.00
2021			$583,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026

FEMA Flood Zone	Zone X minimal risk
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	Very High above 91% of the US · above 74% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	BANNING HTS. MUTUAL WATER CO. private · serves 567 people · EPA ID CA3301031
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	90 / 5
Southern California Telephone Fixed Wireless	75 / 15

May also be available: Verizon.

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