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12960 Choco Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 12960 Choco Rd, Apple Valley, CA 92308 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage3,616 sqft Living Area
Lot Size20,000 sqft (0.459 acres)
OccupancyOwner Occupied
Last Sale$485,000 (2020)
Tax Bill$6,190.00 (2025)

Property Details

APN / Parcel Number

Primary APN3087-071-03-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area3,616 sqft Living Area
Gross Area4,352 sqft Gross Area
1st Floor3,616 sqft 1st Floor
Family RoomFamily Room
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleModern Style
Construction TypeFrame Construction
Roof MaterialTile Roof
Lot Area20,000 sqft (0.459 acres)
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area736 sqft Garage
Pool TypePool with Hot Tub/Spa Pool Type
Patio Area514 sqft Patio
Porch Area514 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address12960 CHOCO RD
CityAPPLE VALLEY
StateCA
Zip92308-4537
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTRACT 14090-2 LOT 46 BOOK 265 PAGE 58
Legal SubdivisionTOWN OF APPLE VALLEY
Legal Tract14090-2
Legal Block1
Legal Lot Number46
JurisdictionSAN BERNARDINO CA
Minor Civil DivisionVICTORVILLE-HESPERIA
Census Blockgroup1
Census Block1041
Census Tract9724

Owner

Source: San Bernardino County records · APN 3087-071-03-0000

Assessment roll updated July 14, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jul 18, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
1ST NATIONWIDE MORTGAGE CORP
Apr 30, 2018Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Feb 25, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Nov 21, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Sep 14, 2020Grant Deed, Transfer · Conventional Mortgage
MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 14, 2020 · Amount on Record
Deed SaleSep 14, 2020 · Amount on Record
Prior SaleMay 18, 2001 · Amount on Record
Deed Doc Number2020343405
Prior Transfer DateNov 15, 2011
Prior Transfer Doc0000514725
Record RefreshedSep 20, 2026

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN BERNARDINO CA
Property Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000290603
DateJul 18, 2017
Instrument2017-0290603
Lender
Name1ST NATIONWIDE MORTGAGE CORP
TypeMortgage Company
AddressALISO VIEJO, CA 92656
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2047

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN BERNARDINO CA
Property Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyNEXTITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000156377
DateApr 30, 2018
Instrument2018-0156377
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressTROY, MI 48083
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN BERNARDINO CA
Property Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000057921
DateFeb 25, 2019
Instrument2019-0057921
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN BERNARDINO CA
Property Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000431777
DateNov 21, 2019
Instrument2019-0431777
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

September 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN BERNARDINO CA
Recording DateSep 14, 2020
Property Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537
Document Number0000343405
Map ReferenceMB 265 PG 58-61
Instrument DateJul 22, 2020
Instrument2020-0343405
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyCHICAGO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address12960 CHOCO RD, APPLE VALLEY, CA 92308-4537

Mortgage

Document Number0000343406
DateSep 14, 2020
Instrument2020-0343406
Lender
NameMOUNTAIN WEST FINANCIAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: San Bernardino County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
MunicipalityApple Valley Town
CountySan Bernardino County
Unified School DistrictApple Valley Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$535,480 (+2%) Land $107,096 Building $428,384
2025$6,190.00 (+3.74%) Homeowner's exemption$524,980 (+4.04%) Land $104,996 Building $419,984
2023$5,967.00 (+1.5%) Homeowner's exemption$504,594 Land $100,919 Building $403,675
2022$5,879.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Bernardino County (06071C), updated October 12, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 40% of the US · above 24% of California
Wildfire LikelihoodAbout 1 in 2,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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