10986 McKinley Ave, Adelanto, CA 92301 Property Records

San Bernardino County property record for 10986 McKinley Ave, Adelanto, CA 92301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.75 ba · 2,472 sqft · built 2010
Lot Size	0.17 acres (7,415 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Apr 2017)
Tax Bill	$5,357 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage May 2024 Second Mortgage + 4 more
Flood Zone	Zone D (undetermined)
APN	`3103-013-71-0000`

Property Details

APN / Parcel Number

Primary APN	`3103-013-71-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,472 sqft Living Area
Gross Area	3,194 sqft
1st Floor Area	1,132 sqft
2nd Floor Area	1,340 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	7,415 sqft (0.17 acres)
Lot Dimensions	104 ft deep x 71.3 ft wide
Garage Type	Attached
Garage Area	722 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio/Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10986 MCKINLEY AVE
City	ADELANTO
State	CA
Zip	92301-4635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16356 LOT 262 BOOK 328 PAGE 50
Legal Subdivision	TRACT NO 16356
Legal Tract	16356
Legal Block	1
Legal Lot Number	262
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1017
Census Tract	9125

Owner

10986 McKinley Ave is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
May 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Dec 5, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Apr 20, 2017	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2017 · Amount on File
Deed Sale	Apr 20, 2017 · Amount on File
Prior Sale	Feb 9, 2016 · Amount on File
Deed Document Number	2017164890
Prior Transfer Date	May 21, 2015
Prior Transfer Doc	0000242482
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635

Mortgage

Document Number	0000315615
Date	Dec 29, 2025
Instrument	2025-0315615

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635

Mortgage

Document Number	0000108102
Date	May 9, 2024
Instrument	2024-0108102

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2044

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635

Mortgage

Document Number	0000000465
Date	Jan 3, 2022
Instrument	2022-0000465

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635

Mortgage

Document Number	0000393403
Date	Oct 14, 2020
Instrument	2020-0393403

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Document Number	0000027505
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10986 MCKINLEY AVE ADELANTO CA 923014635, ADELANTO, CA 92301-4635

Mortgage

Document Number	0000027505
Date	Jan 24, 2020
Instrument	27505

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 20, 2017
Property Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635
Document Number	0000164890
Map Reference	MB328 PG50-60
Instrument Date	Jan 25, 2017
Instrument	2017-0164890
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount 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 with Right of Survivorship
Address	10986 MCKINLEY AVE, ADELANTO, CA 92301-4635

Mortgage

Document Number	0000164891
Date	Apr 20, 2017
Instrument	2017-0164891

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Mortgage

Document Number	0000164893
Date	Apr 20, 2017
Instrument	2017-0164893

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Negative Amortization
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10986 McKinley Ave was $5,357.

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		$284,113 (+2%) Land $29,595 Building $254,518
2025	$5,357.00	$278,542 Land $29,015 Building $249,527
2023	$5,040.00 (+5.75%)	$267,725 Land $27,888 Building $239,837
2022	$4,766.00

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

Flood

FEMA maps place 10986 McKinley Ave 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

The area around 10986 McKinley Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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