10646 Independence Ct, Redlands, CA 92374 Property Records

San Bernardino County property record for 10646 Independence Ct, Redlands, CA 92374

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,772 sqft · built 1986
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Company Names on Record
Last Sale	$423,000 (Apr 2020)
Tax Bill	$5,816 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0299-341-19-0000`

Property Details

APN / Parcel Number

Primary APN	`0299-341-19-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,772 sqft Living Area
Gross Area	2,212 sqft
1st Floor Area	906 sqft
2nd Floor Area	866 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	5,250 sqft (0.121 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	244 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10646 INDEPENDENCE CT
City	REDLANDS
State	CA
Zip	92374-7638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TRACT 12728-1 LOT 19
Legal Subdivision	12728-1
Legal Tract	12728-1
Legal Block	2
Legal Lot Number	19
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	2
Census Block	2003
Census Tract	8601

Owner

Source: San Bernardino County records, as of July 14, 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	2 Company Names on Record
Mailing Address	107 BEATTIE LN, REDLANDS, CA 92374-1713
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Apr 30, 2020	Grant Deed, Transfer · FHA Mortgage COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Aug 31, 2005 · Amount on Record
Deed Document Number	2020148600
Prior Transfer Date	Jan 11, 2006
Prior Transfer Doc	0000022173
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10646 INDEPENDENCE CT, REDLANDS, CA 92374-7638
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10646 INDEPENDENCE CT, REDLANDS, CA 92374-7638

Mortgage

Document Number	0000271313
Date	Nov 2, 2023
Instrument	2023-0271313

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10646 INDEPENDENCE CT, REDLANDS, CA 92374-7638
Transaction Type	Mortgage
Record Updated	Sep 20, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10646 INDEPENDENCE CT, REDLANDS, CA 92374-7638

Mortgage

Document Number	0000405229
Date	Sep 7, 2021
Instrument	2021-0405229

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 30, 2020
Property Address	10646 INDEPENDENCE CT, REDLANDS, CA 92374-7638
Document Number	0000148600
Map Reference	MB 189 PG 13-15
Instrument Date	Mar 24, 2020
Instrument	2020-0148600
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	FIDELITY NATIONAL TITLE

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
Address	10646 INDEPENDENCE CT, REDLANDS, CA 92374-7638

Mortgage

Document Number	0000148601
Date	Apr 30, 2020
Instrument	2020-0148601

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Unified School District	Redlands Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$471,866 (+2%) Land $141,560 Building $330,306
2025	$5,816.00 (+7.31%) Homeowner's exemption	$462,613 (+4.04%) Land $138,784 Building $323,829
2023	$5,420.00 (+1.56%) Homeowner's exemption	$444,649 Land $133,395 Building $311,254
2022	$5,337.00

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

Flood

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.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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	REDLANDS CITY MUD-WATER DIV serves 78,025 people · EPA ID CA3610037
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	3 ppb (2021–2023) 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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