13324 Choco Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 13324 Choco Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,968 sqft · built 2002
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$533,000 (Dec 2023)
Tax Bill	$6,185 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3087-042-04-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-042-04-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,968 sqft Living Area
Gross Area	3,949 sqft
1st Floor Area	2,968 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	20,000 sqft (0.459 acres)
View / Lot	Apt/Condo Complex
Garage Type	Attached
Garage Area	981 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio/Porch
Porch Area	792 sqft
Patio Area	792 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	13324 CHOCO RD
City	APPLE VALLEY
State	CA
Zip	92308-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 15849 LOT 4 BOOK 272 PAGE 71
Legal Subdivision	15849 APPLE VLY
Legal Tract	15849
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1008
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	13324 CHOCO RD, APPLE VALLEY, CA 92308-4533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Grant Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 24, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2023 · Amount on Record
Deed Sale	Dec 29, 2023 · Amount on Record
Prior Sale	Jun 6, 2006 · Amount on Record
Deed Document Number	2023322453
Prior Transfer Date	Jul 3, 2014
Prior Transfer Doc	0000256042
Record Updated	Sep 20, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 29, 2023
Property Address	13324 CHOCO RD, APPLE VALLEY, CA 92308-4533
Document Number	0000322453
Map Reference	MB 272 PG 71-76
Instrument Date	Sep 13, 2023
Instrument	2023-0322453
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	13324 CHOCO RD, APPLE VALLEY, CA 92308-4533

Mortgage

Document Number	0000322454
Date	Dec 29, 2023
Instrument	2023-0322454

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	13324 CHOCO RD, APPLE VALLEY, CA 92308-4533
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13324 CHOCO RD, APPLE VALLEY, CA 92308-4533

Mortgage

Document Number	0000379829
Date	Aug 24, 2021
Instrument	2021-0379829

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	13324 CHOCO RD, APPLE VALLEY, CA 92308-4533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000276880
Date	Jul 31, 2018
Instrument	2018-0276880

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$554,534 (+2%) Land $110,907 Building $443,627
2025	$6,185.00 (-4.05%) Homeowner's exemption	$543,660 (-12.1%) Land $108,732 Building $434,928
2023	$6,446.00 (+34.49%) Disabled Person's exemption	$618,525 Land $145,126 Building $473,399
2022	$4,793.00

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	Not rated no burnable land within 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 214 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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