1046 Pepper Ln, Banning, CA 92220 Property Records

Riverside County property record for 1046 Pepper Ln, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,699 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$262,000 (Oct 2016)
Tax Bill	$4,349 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`535-382-021`

Property Details

APN / Parcel Number

Primary APN	`535-382-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,699 sqft Living Area
Gross Area	2,292 sqft
1st Floor Area	1,699 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Tile
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1046 PEPPER LN
City	BANNING
State	CA
Zip	92220-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	.20 ACRES M/L IN LOT 112 MB 331/005 TR 30186
Legal Subdivision	TRACT NO 30186
Legal Tract	30186
Legal Lot Number	112
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	1
Census Block	1025
Census Tract	44103

Owner

Source: Riverside County records, as of July 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1046 PEPPER LN, BANNING, CA 92220-1430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 15, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2016 · Amount on Record
Deed Sale	Oct 11, 2016 · Amount on Record
Prior Sale	Mar 14, 2008 · Amount on Record
Deed Document Number	2016445200
Prior Transfer Date	Mar 25, 2013
Prior Transfer Doc	0000154533
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	1046 PEPPER LN, BANNING, CA 92220-1430
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 PEPPER LN, BANNING, CA 92220-1430

Mortgage

Document Number	0000212724
Date	Jul 21, 2023
Instrument	2023-0212724

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	1046 PEPPER LN, BANNING, CA 92220-1430
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 PEPPER LN, BANNING, CA 92220-1430

Mortgage

Document Number	0000729638
Date	Dec 10, 2021
Instrument	2021-0729638

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	1046 PEPPER LN, BANNING, CA 92220-1430
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 PEPPER LN, BANNING, CA 92220-1430

Mortgage

Document Number	0000611211
Date	Oct 15, 2021
Instrument	2021-0611211

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	WHITTIER, CA 90602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of July 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,146 (+2%) Land $41,429 Building $268,717
2025	$4,349.00 (+2.07%)	$304,066 (+4.04%) Land $40,617 Building $263,449
2023	$4,261.00 (+2.06%)	$292,261 Land $39,041 Building $253,220
2022	$4,175.00
2021			$351,540

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	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.3% 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	CITY OF BANNING serves 31,680 people · EPA ID CA3310006
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2022–2024) 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 501 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GeoLinks.

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