10640 Pepper Ridge Ln, Moreno Valley, CA 92557 Property Records

Riverside County property record for 10640 Pepper Ridge Ln, Moreno Valley, CA 92557

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,709 sqft · built 1989
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Oct 2025)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260-221-030`

Property Details

APN / Parcel Number

Primary APN	`260-221-030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,709 sqft Living Area
Gross Area	2,202 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Tile
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10640 PEPPER RIDGE LN
City	MORENO VALLEY
State	CA
Zip	92557-2957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 119 MB 176/084 TR 21458
Legal Subdivision	176M84
Legal Tract	21458
Legal Lot Number	119
Jurisdiction	RIVERSIDE CA
Township / Civil Division	RIVERSIDE
Census Block Group	2
Census Block	2005
Census Tract	42410

Owner

10640 Pepper Ridge Ln is owned and occupied by two individuals who bought it in October 2025.

Source: Riverside County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 8, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 23, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 8, 2025	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 25, 2018	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2025 · Amount on File
Deed Sale	Oct 8, 2025 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Document Number	2025309690
Prior Transfer Date	Mar 4, 2011
Prior Transfer Doc	0000100876
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957

Mortgage

Document Number	0000336785
Date	Nov 8, 2023
Instrument	2023-0336785

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Nov 1, 2063

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957

Mortgage

Document Number	0000404835
Date	Sep 23, 2022
Instrument	2022-0404835

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2052

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Oct 8, 2025
Property Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957
Document Number	0000309690
Map Reference	MB 176 PG 84
Instrument Date	Sep 20, 2025
Instrument	2025-0309690
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	USA NATIONAL TITLE COMPANY, USA NATL TITLE COMPANY INC

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957

Mortgage

Document Number	0000309691
Date	Oct 8, 2025
Instrument	2025-0309691

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	May 25, 2018
Property Address	10640 PEPPER RIDGE LN, MORENO VALLEY, CA 92557-2957
Document Number	0000213227
Instrument Date	May 17, 2018
Instrument	213227
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	TICOR TITLE RIVERSIDE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$369.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10640 PEPPER RIDGE LN MORENO VALLEY CA 925572957, MORENO VALLEY, CA 92557-2957

Mortgage

Document Number	213228
Date	May 25, 2018
Instrument	213228

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10640 Pepper Ridge Ln was $5,092.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$520,000 (+36.02%) Land $156,002 Building $363,998
2025	$5,092.00	$382,307 Land $79,646 Building $302,661
2023	$4,752.00 (+7.34%) Homeowner's exemption	$367,463 Land $76,554 Building $290,909
2022	$4,427.00
2021			$383,670

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

Flood

FEMA maps place 10640 Pepper Ridge Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · 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
Community Rating System	Class 8 (10% 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 10640 Pepper Ridge Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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	EASTERN MUNICIPAL WD serves 659,923 people · EPA ID CA3310009
Water Source	Purchased surface water from several systems
Lead	3 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 617 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Pepper Ridge Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures