San Bernardino County property record for 10357 Arroyo Ave, Hesperia, CA 92345
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,198 sqft · built 1979 |
| Lot Size | 0.445 acres (19,380 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,605 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0408-074-24-0000 |
| Primary APN | 0408-074-24-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,198 sqft Living Area |
| Gross Area | 1,705 sqft |
| 1st Floor Area | 1,198 sqft |
| Family Room | Family Room |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Modern |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 19,380 sqft (0.445 acres) |
| Lot Dimensions | 190 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 507 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 10357 ARROYO AVE |
|---|---|
| City | HESPERIA |
| State | CA |
| Zip | 92345-2809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 5081 LOT 485 TR NO 5O81 LUCKY STAR RANCHOS NO 2 LOT 485 EX WTR RTS AND 1/2 INT MIN RTS WITHOUT S E |
| Legal Subdivision | LUCKY STAR RANCHOS |
| Legal Tract | 5081 |
| Legal Block | 3 |
| Legal Lot Number | 485 |
| Jurisdiction | SAN BERNARDINO CA |
| Township / Civil Division | VICTORVILLE-HESPERIA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 10015 |
Source: San Bernardino County assessment roll, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Dec 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 28, 2020 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Feb 28, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage GLOBAL BANCORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 28, 2018 |
| Deed Sale | Feb 28, 2018 |
| Prior Sale | Jun 6, 2012 · Amount on Record |
| Deed Document Number | 201872968 |
| Prior Transfer Date | Feb 13, 2012 |
| Prior Transfer Doc | 0000223742 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 10357 ARROYO AVE ABE, HESPERIA, CA 92345-2809 |
| Document Number | 0000137678 |
|---|---|
| Date | Jun 5, 2023 |
| Instrument | 2023-0137678 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Document Number | 0000522477 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 2020-0522477 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Document Number | 0000493948 |
| Instrument Date | Nov 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10357 ARROYO AVE HESPERIA CA 923452809, HESPERIA, CA 92345-2809 |
| Document Number | 0000493948 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 493948 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 6, 2021 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Feb 28, 2018 |
| Property Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Document Number | 0000072968 |
| Map Reference | MB 60 PG 48-50 |
| Instrument Date | Feb 22, 2018 |
| Instrument | 2018-0072968 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | FIDELITY NATIONAL TITLE COMP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10357 ARROYO AVE, HESPERIA, CA 92345-2809 |
| Document Number | 0000072969 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 2018-0072969 |
| Name | GLOBAL BANCORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
Source: San Bernardino County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Bernardino County |
| Municipality | Hesperia City |
| Unified School District | Hesperia Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $102,493 (+2%) Land $25,623 Building $76,870 | |
| 2025 | $1,605.00 (-36.79%) Homeowner's exemption | $100,484 (+4.04%) Land $25,121 Building $75,363 |
| 2023 | $2,539.00 (-59.99%) Homeowner's exemption | $96,581 Land $24,145 Building $72,436 |
| 2022 | $6,346.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective October 12, 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.
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 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HESPERIA WD serves 101,836 people · EPA ID CA3610024 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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