10849 Pepper St, Adelanto, CA 92301 Property Records

San Bernardino County property record for 10849 Pepper St, Adelanto, CA 92301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,654 sqft · built 1992
Lot Size	0.165 acres (7,194 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Jun 2021)
Tax Bill	$4,282 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`3103-671-50-0000`

Property Details

APN / Parcel Number

Primary APN	`3103-671-50-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,654 sqft Living Area
Gross Area	2,066 sqft
1st Floor Area	1,022 sqft
2nd Floor Area	632 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	7,194 sqft (0.165 acres)
Lot Dimensions	109 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	39 sqft
Patio Area	39 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10849 PEPPER ST
City	ADELANTO
State	CA
Zip	92301-3899
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 14726 LOT 42 BOOK 246 PAGE 24
Legal Subdivision	14726-1
Legal Tract	14726
Legal Block	2
Legal Lot Number	42
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	2
Census Block	2007
Census Tract	9125

Owner

10849 Pepper St is owned and occupied by an individual who bought it in June 2021.

Source: San Bernardino County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	10849 PEPPER ST, ADELANTO, CA 92301-3899
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 4, 2021	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	Mar 14, 2016 · Amount on File
Deed Document Number	2021256075
Prior Transfer Date	Feb 18, 2016
Prior Transfer Doc	0000095834
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 3, 2026
Property Address	10849 PEPPER ST, ADELANTO, CA 92301-3899
Document Number	0000087163
Instrument Date	Mar 28, 2026
Instrument	202687163
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10849 PEPPER ST, ADELANTO, CA 92301-3899

Mortgage

Document Number	0000087163,
Date	Apr 3, 2026
Instrument	202687163

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	5.98%
Max Rate	-1%

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 4, 2021
Property Address	10849 PEPPER ST, ADELANTO, CA 92301-3899
Document Number	0000256075
Map Reference	MB 246 PG 24-29
Instrument Date	May 5, 2021
Instrument	2021-0256075
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	10849 PEPPER ST, ADELANTO, CA 92301-3899

Mortgage

Document Number	0000256076
Date	Jun 4, 2021
Instrument	2021-0256076

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10849 Pepper St was $4,282 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Adelanto City
County	San Bernardino County
Elementary School District	Adelanto Elementary School District (KG - 06)
Secondary School District	Victor Valley Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$320,184 (+2%) Land $71,766 Building $248,418
2025	$4,282.00 Homeowner's exemption	$313,906 Land $70,359 Building $243,547
2023	$3,983.00 (+4.13%) Homeowner's exemption	$301,716 Land $67,626 Building $234,090
2022	$3,825.00

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

Flood

FEMA maps place 10849 Pepper St in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10849 Pepper St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 581 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

May also be available: GeoLinks, Verizon.

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