12186 Champlain St, Moreno Valley, CA 92557 Property Records

Riverside County property record for 12186 Champlain St, Moreno Valley, CA 92557

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,633 sqft · built 1986
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$354,500 (Nov 2017)
Tax Bill	$2,876 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`487-014-002`

Property Details

APN / Parcel Number

Primary APN	`487-014-002`
Alternative APN	`477405002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,633 sqft Living Area
Gross Area	2,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Material	Tile
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	12186 CHAMPLAIN ST
City	MORENO VALLEY
State	CA
Zip	92557-7757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.18 ACRES IN LOT 72 MB 142/065 TR 12902-5
Legal Subdivision	TRACT NO 12902 5
Legal Tract	12902-5
Legal Lot Number	72
Jurisdiction	RIVERSIDE CA
Township / Civil Division	RIVERSIDE
Census Block Group	2
Census Block	2005
Census Tract	42402

Owner

Source: Riverside County records, as of July 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 2331, GARDENA, CA 90247-0331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 22, 2017	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2017 · Amount on Record
Deed Sale	Nov 22, 2017 · Amount on Record
Prior Sale	Nov 9, 1998 · Amount on Record
Deed Document Number	2017493114
Prior Transfer Date	Dec 10, 1997
Prior Transfer Doc	0000459422
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Recording Date	May 7, 2026
Property Address	12186 CHAMPLAIN ST, MORENO VALLEY, CA 92557-7757
Document Number	0000139518
Instrument Date	May 2, 2026
Instrument	2026139518
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	12186 CHAMPLAIN ST, MORENO VALLEY, CA 92557-7757

Mortgage

Document Number	0000139518,
Date	May 7, 2026
Instrument	2026139518

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	12186 CHAMPLAIN ST, MORENO VALLEY, CA 92557-7757
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12186 CHAMPLAIN ST, MORENO VALLEY, CA 92557-7757

Mortgage

Document Number	0000231989
Date	Apr 14, 2021
Instrument	2021-0231989

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Nov 22, 2017
Property Address	12186 CHAMPLAIN ST, MORENO VALLEY, CA 92557-7757
Document Number	0000493114
Map Reference	MB 142 PG 65-72
Instrument Date	Oct 18, 2017
Instrument	2017-0493114
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2331, GARDENA, CA 90247-0331

Mortgage

Document Number	0000493115
Date	Nov 22, 2017
Instrument	2017-0493115

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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		$252,424 (+2%) Land $40,385 Building $212,039
2025	$2,876.00 (+3.27%) Homeowner's exemption	$247,476 (+4.04%) Land $39,594 Building $207,882
2024	$2,785.00 (+2.05%)
2023	$2,729.00 (+1.94%) Homeowner's exemption	$237,867 Land $38,057 Building $199,810
2022	$2,677.00
2021			$421,830

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

Flood

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

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	0.02% 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	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 533 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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