13798 Choco Rd, Apple Valley, CA 92307 Property Records

San Bernardino County property record for 13798 Choco Rd, Apple Valley, CA 92307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,084 sqft · built 1989
Lot Size	0.587 acres (25,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (May 2023)
Tax Bill	$5,296 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2022 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3112-091-24-0000`

Property Details

APN / Parcel Number

Primary APN	`3112-091-24-0000`
Alternative APN	`0444671010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,084 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	2,084 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	25,560 sqft (0.587 acres)
Lot Dimensions	284 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	644 sqft
Patio Area	644 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	13798 CHOCO RD
City	APPLE VALLEY
State	CA
Zip	92307-5606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 11896 LOT 1
Legal Subdivision	163M38
Legal Tract	11896
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1020
Census Tract	9723

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	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Grant Deed, Transfer · FHA Mortgage FRANKLIN LOAN CENTER
Aug 30, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage OPEN MORTGAGE LLC
Mar 14, 2017	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jun 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 8, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on Record
Deed Sale	May 15, 2023 · Amount on Record
Deed Document Number	2023116909
Prior Transfer Date	Aug 5, 2022
Prior Transfer Doc	0000296442
Record Updated	Sep 20, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 15, 2023
Property Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606
Document Number	0000116909
Map Reference	MB 163 PG 38&39
Instrument Date	Apr 11, 2023
Instrument	2023-0116909
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR 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
Relationship	Joint Tenants
Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606

Mortgage

Document Number	0000116910
Date	May 15, 2023
Instrument	2023-0116910

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 30, 2022
Property Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606
Document Number	0000296442
Map Reference	MB 163 PG 38&39
Instrument Date	Aug 5, 2022
Instrument	2022-0296442
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	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
Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606

Mortgage

Document Number	0000296443
Date	Aug 30, 2022
Instrument	2022-0296443

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.6%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108691
Date	Mar 14, 2017
Instrument	2017-0108691

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	730 Months
Due	Jan 10, 2078

Interest

Rate Type	Adjustable Rate
Rate	4.55%
Type Change Date	Apr 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 7, 2017
Property Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606
Document Number	0000231572
Instrument Date	May 16, 2017
Instrument	231572
Transaction Type	Transfer
Record Updated	Jun 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	13798 CHOCO RD APPLE VALLEY CA 923075606, APPLE VALLEY, CA 92307-5606

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	13798 CHOCO RD, APPLE VALLEY, CA 92307-5606
Document Number	0000108692
Instrument Date	Mar 8, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13798 CHOCO RD APPLE VALLEY CA 923075606, APPLE VALLEY, CA 92307-5606

Mortgage

Document Number	0000108692
Date	Mar 14, 2017
Instrument	108692

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	732 Months
Due	Mar 13, 2078

Interest

Rate Type	Adjustable Rate
Rate	4.55%

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		$466,932 (+2%) Land $95,509 Building $371,423
2025	$5,296.00 (+3.84%)	$457,776 (+91.99%) Land $93,636 Building $364,140
2023	$5,100.00 (+81.82%)	$238,436 Land $65,775 Building $172,661
2022	$2,805.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	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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