12940 Choco Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 12940 Choco Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,189 sqft · built 1997
Lot Size	0.482 acres (21,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Sep 2023)
Tax Bill	$6,939 (2025)
Deeds & Mortgages	Jan 2026 Transfer Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3087-071-02-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-071-02-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,189 sqft Living Area
Gross Area	3,861 sqft
1st Floor Area	3,189 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	21,000 sqft (0.482 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	690 sqft
Patio Area	690 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12940 CHOCO RD
City	APPLE VALLEY
State	CA
Zip	92308-4537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 14090-2 LOT 45 BOOK 265 PAGE 58
Legal Subdivision	TOWN OF APPLE VALLEY
Legal Tract	14090-2
Legal Block	1
Legal Lot Number	45
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1041
Census Tract	9724

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	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 20, 2026	Grant Deed, Transfer · Conventional Mortgage CHAMPIONS FUNDING LLC
Sep 22, 2023	Grant Deed, Transfer · Commercial Mortgage HOMETOWN EQUITY MORTGAGE
Sep 15, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	Sep 18, 2000 · Amount on Record
Deed Document Number	2023235582
Last Transfer Date	Dec 26, 2025
Transfer Doc	0000074000
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 22, 2026
Property Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537
Document Number	0000015841
Map Reference	MB 265 PG 58-61
Instrument Date	Dec 26, 2025
Instrument	2026-0015841
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Mar 20, 2026
Property Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537
Document Number	0000073778
Map Reference	MB 265 PG 58-61
Instrument Date	Dec 26, 2025
Instrument	2026-0073778
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537

Mortgage

Document Number	0000073779
Date	Mar 20, 2026
Instrument	2026-0073779

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 22, 2023
Property Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537
Document Number	0000235582
Map Reference	MB 265 PG 58-61
Instrument Date	Sep 15, 2023
Instrument	2023-0235582
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	1252 BRIARCROFT RD, CLAREMONT, CA 91711-3214

Mortgage

Document Number	0000235583
Date	Sep 22, 2023
Instrument	2023-0235583

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 15, 2021
Property Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537
Document Number	0000419697
Map Reference	MB 265 PG 58-61
Instrument Date	Aug 21, 2017
Instrument	2021-0419697
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	12940 CHOCO RD, APPLE VALLEY, CA 92308-4537

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		$603,432 (+2%) Land $120,686 Building $482,746
2025	$6,939.00 (+24.87%) Homeowner's exemption	$591,600 (+26.36%) Land $118,320 Building $473,280
2023	$5,557.00 (+1.5%) Homeowner's exemption	$468,180 Land $93,636 Building $374,544
2022	$5,475.00

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

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 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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