12781 Saratoga Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 12781 Saratoga Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 2004
Lot Size	0.433 acres (18,880 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (May 2020)
Tax Bill	$3,024 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`3087-426-13-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-426-13-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,510 sqft Living Area
Gross Area	1,930 sqft
1st Floor Area	1,510 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,880 sqft (0.433 acres)
Terrain	Below Road/Slope
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	12781 SARATOGA RD
City	APPLE VALLEY
State	CA
Zip	92308-7041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3928 LOT 300 TRACT NO 3928 LOT 300 EX WTR RTS AND EX 1/2 MNL RTS WOSE
Legal Subdivision	TRACT NO 3928
Legal Tract	3928
Legal Block	1
Legal Lot Number	300
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1006
Census Tract	9720

Owner

12781 Saratoga Rd is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12781 SARATOGA RD, APPLE VALLEY, CA 92308-7041
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 2, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 28, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
May 29, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Prior Sale	Jun 14, 2004 · Amount on File
Deed Document Number	2020179056
Prior Transfer Date	Jan 6, 2006
Prior Transfer Doc	0000025135
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12781 SARATOGA RD, APPLE VALLEY, CA 92308-7041
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12781 SARATOGA RD, APPLE VALLEY, CA 92308-7041

Mortgage

Document Number	0000151324
Date	Apr 2, 2021
Instrument	2021-0151324

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12781 SARATOGA RD, APPLE VALLEY, CA 92308-7041
Document Number	0000179057
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE IE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16401 E AVENUE Y12 LLANO CA 935441307, LLANO, CA 93544-1307

Mortgage

Document Number	0000179057
Date	May 29, 2020
Instrument	179057

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 29, 2020
Property Address	12781 SARATOGA RD, APPLE VALLEY, CA 92308-7041
Document Number	0000179056
Instrument Date	Apr 29, 2020
Instrument	179056
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$264.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12781 SARATOGA RD APPLE VALLEY CA 923087041, APPLE VALLEY, CA 92308-7041

Tax Assessment & Valuation

The 2025 property tax bill for 12781 Saratoga Rd was $3,024 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Apple Valley Town
County	San Bernardino County
Unified School District	Apple Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$267,614 (+2%) Land $53,523 Building $214,091
2025	$3,024.00 Homeowner's exemption	$262,367 Land $52,474 Building $209,893
2023	$2,909.00 (+1.61%) Homeowner's exemption	$252,178 Land $50,436 Building $201,742
2022	$2,863.00

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

Flood

FEMA maps place 12781 Saratoga Rd in Zone D, where flood risk has not been studied, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Jul 2021 · rainfall accumulation

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 12781 Saratoga Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	LIBERTY UTILITIES (AV RANCHOS) CORP. private · serves 63,381 people · EPA ID CA3610003
Water Source	Groundwater
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 386 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: Verizon.

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