10982 Santa Fe Ave W, Hesperia, CA 92345 Property Records

San Bernardino County property record for 10982 Santa Fe Ave W, Hesperia, CA 92345

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,223 sqft · built 1989
Lot Size	0.78 acres (33,958 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Jun 1998)
Tax Bill	$1,054 (2025)
Deeds & Mortgages	Apr 2019 Reverse Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0415-162-11-0000`

Property Details

APN / Parcel Number

Primary APN	`0415-162-11-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,223 sqft Living Area
Gross Area	1,723 sqft
1st Floor Area	1,223 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	33,958 sqft (0.78 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	228 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	10982 SANTA FE AVE W
City	HESPERIA
State	CA
Zip	92345-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5037 LOT 275 TRACT NO 5O37 LOT 275 EX WATER R1GHTS AND EX 1/2 1NT M1N RTS WITHOUT S E
Legal Tract	5037
Legal Block	3
Legal Lot Number	275
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	3
Census Block	3013
Census Tract	10011

Owner

10982 Santa Fe Ave W is owned and occupied by an individual who bought it in June 1998.

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

Owner of Record	Individual Name on File
Mailing Address	10982 SANTA FE AVE W, HESPERIA, CA 92345-2101
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 30, 2019	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
Apr 25, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 1998 · Amount on File
Deed Sale	Jun 3, 1998 · Amount on File
Prior Sale	Nov 26, 1997 · Amount on File
Deed Document Number	1998212402
Prior Transfer Date	Nov 19, 1997
Prior Transfer Doc	0000436959
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10982 SANTA FE AVE W, HESPERIA, CA 92345-2101
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134658
Date	Apr 30, 2019
Instrument	2019-0134658

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	DOUGLASVILLE, GA 30135

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	May 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10982 SANTA FE AVE W, HESPERIA, CA 92345-2101
Document Number	0000134659
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10982 SANTA FE AVE W HESPERIA CA 923452101, HESPERIA, CA 92345-2101

Mortgage

Document Number	0000134659
Date	Apr 30, 2019
Instrument	134659

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DE 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 10982 Santa Fe Ave W was $1,054 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Hesperia City
Unified School District	Hesperia Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$99,147 (+2%) Land $15,993 Building $83,154
2025	$1,054.00 Homeowner's exemption	$97,203 Land $15,679 Building $81,524
2023	$1,018.00 (+2.41%) Homeowner's exemption	$93,429 Land $15,071 Building $78,358
2022	$994.00

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

Flood

FEMA maps place 10982 Santa Fe Ave W in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective October 12, 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
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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 10982 Santa Fe Ave W is low, with a 0.02% annual chance of 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	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	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

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 60 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: GeoLinks, T-Mobile.

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