12937 Choco Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 12937 Choco Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,394 sqft · built 1998
Lot Size	0.505 acres (22,000 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Jun 2019)
Tax Bill	$4,778 (2025)
Deeds & Mortgages	May 2021 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3087-072-03-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-072-03-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,394 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	2,394 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	22,000 sqft (0.505 acres)
Garage Type	Attached
Garage Area	769 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	434 sqft
Patio Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12937 CHOCO RD
City	APPLE VALLEY
State	CA
Zip	92308-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 14090-2 LOT 65 BOOK 265 PAGE 58
Legal Subdivision	TOWN OF APPLE VALLEY
Legal Tract	14090-2
Legal Block	1
Legal Lot Number	65
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1037
Census Tract	9724

Owner

Source: San Bernardino County assessment roll, 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 File
Mailing Address	12937 CHOCO RD, APPLE VALLEY, CA 92308-4515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Jun 3, 2019	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	May 8, 1998 · Amount on Record
Deed Document Number	2019179225
Prior Transfer Date	Jan 9, 2001
Prior Transfer Doc	0000013415
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12937 CHOCO RD, APPLE VALLEY, CA 92308-4515
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228946
Date	May 18, 2021
Instrument	2021-0228946

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12937 CHOCO RD, APPLE VALLEY, CA 92308-4515
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093868
Date	Mar 16, 2020
Instrument	2020-0093868

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 3, 2019
Property Address	12937 CHOCO RD, APPLE VALLEY, CA 92308-4515
Document Number	0000179225
Map Reference	MB 265 PG 58-61
Instrument Date	Apr 25, 2019
Instrument	2019-0179225
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants
Address	12937 CHOCO RD, APPLE VALLEY, CA 92308-4515

Mortgage

Document Number	0000179226
Date	Jun 3, 2019
Instrument	2019-0179226

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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		$415,504 (+2%) Land $68,270 Building $347,234
2025	$4,778.00 (+3.78%) Homeowner's exemption	$407,356 (+4.04%) Land $66,931 Building $340,425
2023	$4,604.00 (+5.91%) Homeowner's exemption	$391,538 Land $64,332 Building $327,206
2022	$4,347.00

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 minimal risk
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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 46 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 / 35

May also be available: Verizon.

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