12357 Desert Ranch Rd, Phelan, CA 92371 Property Records

San Bernardino County property record for 12357 Desert Ranch Rd, Phelan, CA 92371

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,623 sqft · built 1992
Lot Size	2.81 acres (122,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Dec 2022)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`3098-281-26-0000`

Property Details

APN / Parcel Number

Primary APN	`3098-281-26-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,623 sqft Living Area
Gross Area	2,165 sqft
1st Floor Area	1,623 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	Composition Shingle
Lot Area	122,839 sqft
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	252 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	12357 DESERT RANCH RD
City	PHELAN
State	CA
Zip	92371-4554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PHRL
Legal Description	TRACT 13173 LOT 25
Legal Subdivision	TRACT NO . 13173
Legal Tract	13173
Legal Block	2
Legal Lot Number	25
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	2
Census Block	2082
Census Tract	9122

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	12357 DESERT RANCH RD, PHELAN, CA 92371-4554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 13, 2022	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Feb 27, 2019	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Deed Document Number	2022396428
Prior Transfer Date	Sep 30, 2022
Prior Transfer Doc	0000396428
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 22, 2026
Property Address	12357 DESERT RANCH RD, PHELAN, CA 92371-4554
Document Number	0000157764
Instrument Date	Jun 16, 2026
Instrument	2026157764
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	12357 DESERT RANCH RD, PHELAN, CA 92371-4554

Mortgage

Document Number	0000157764,
Date	Jun 22, 2026
Instrument	2026157764

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 13, 2022
Property Address	12357 DESERT RANCH RD, PHELAN, CA 92371-4554
Document Number	0000396428
Map Reference	MB 245 PG 53&54
Instrument Date	Sep 30, 2022
Instrument	2022-0396428
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	TICOR TITLE RIVERSIDE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12357 DESERT RANCH RD, PHELAN, CA 92371-4554

Mortgage

Document Number	0000396429
Date	Dec 13, 2022
Instrument	2022-0396429

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12357 DESERT RANCH RD, PHELAN, CA 92371-4554
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060401
Date	Feb 27, 2019
Instrument	2019-0060401

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Snowline Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$216,355 (+2%) Land $55,825 Building $160,530
2025	$2,650.00 (+4.95%) Homeowner's exemption	$212,112 (+4.04%) Land $54,730 Building $157,382
2023	$2,525.00 (+2.35%)	$203,876 Land $52,605 Building $151,271
2022	$2,467.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% 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	PHELAN PINON HILLS CSD serves 24,509 people · EPA ID CA3610120
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	Under 1 ppb (2022–2024) 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Race Communications Fiber	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Desert Ranch Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures