1297 Pepper Ln, Banning, CA 92220 Property Records

Riverside County property record for 1297 Pepper Ln, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,415 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual on Record
Tax Bill	$3,214 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2011 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`535-400-022`

Property Details

APN / Parcel Number

Primary APN	`535-400-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,415 sqft Living Area
Gross Area	1,945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Tile
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	535400022
Street Address	1297 PEPPER LN
City	BANNING
State	CA
Zip	92220-1451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	.20 ACRES M/L IN LOT 25 MB 343/007 TR 30222
Legal Tract	30222
Legal Lot Number	25
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	1
Census Block	1013
Census Tract	44103

Owner

Source: Riverside County assessment roll, as of July 1, 2025

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

Owner of Record	Individual on Record
Mailing Address	1297 PEPPER LN, BANNING, CA 92220-1451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 2, 2011	Loan Modification, Mortgage · FHA Mortgage PNC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2011
Deed Sale	Jun 1, 2011
Prior Sale	Aug 13, 2008 · Amount on Record
Deed Document Number	2011-9801898
Prior Transfer Date	Nov 7, 2008
Prior Transfer Doc	2008-0594484
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	1297 PEPPER LN, BANNING, CA 92220-1451
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1297 PEPPER LN, BANNING, CA 92220-1451

Mortgage

Document Number	0000041971
Date	Jan 26, 2022
Instrument	2022-0041971

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2011: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RIVERSIDE CA
Property Address	1297 PEPPER LN, BANNING, CA 92220-1451
Document Number	0000074691
Instrument Date	Nov 2, 2011
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1297 PEPPER LN BANNING CA 922201451, BANNING, CA 92220-1451

Mortgage

Document Number	0000074691
Date	Feb 28, 2018
Instrument	74691

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Feb 27, 2041

Interest

Rate	4.62%

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
Municipality	Banning City
County	Riverside County
Unified School District	Banning Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,214.00 (+15.32%) Homeowner's exemption	$201,717 (+4.04%) Land $48,182 Building $153,535
2023	$2,787.00 (+2.09%) Homeowner's exemption	$193,886 Land $46,312 Building $147,574
2022	$2,730.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 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	High above 82% of the US · above 61% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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	CITY OF BANNING serves 31,680 people · EPA ID CA3310006
Water Source	Groundwater
Last State Inspection	Feb 2024
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 501 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GeoLinks.

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