1408 Waterfall Ln, Bakersfield, CA 93311 Property Records

Kern County property record for 1408 Waterfall Ln, Bakersfield, CA 93311

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,428 sqft · built 2016
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Sep 2026)
Tax Bill	$5,591 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`522-632-04-00-4`

Property Details

APN / Parcel Number

Primary APN	`522-632-04-00-4`
Alternative APNs	`522-632-04-1` `52263204`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,428 sqft Living Area
Gross Area	3,070 sqft
1st Floor Area	1,298 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	522632041
Street Address	1408 WATERFALL LN
City	BAKERSFIELD
State	CA
Zip	93311-5133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 7239 , BLOCK UN2, LOT 19
Legal Subdivision	7239-UN 2
Legal Tract	7239
Legal Block	2
Legal Lot Number	19
Jurisdiction	KERN CA
Township / Civil Division	GREENFIELD-PANAMA
Census Block Group	2
Census Block	2004
Census Tract	3212

Owner

1408 Waterfall Ln is owned and occupied by two individuals who bought it in September 2026.

Source: Kern County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1408 WATERFALL LN, BAKERSFIELD, CA 93311-5133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MTG HM LOANS
Nov 28, 2018	Grant Deed, Transfer · Conventional Mortgage CHURCHILL MTG HM LOANS
Mar 2, 2017	Grant Deed, Transfer · FHA Mortgage IMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Prior Sale	Nov 28, 2018 · Amount on File
Deed Document Number	2026110577
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Sep 16, 2026
Property Address	1408 WATERFALL LN, BAKERSFIELD, CA 93311-5133
Document Number	0000110577
Instrument Date	Sep 1, 2026
Instrument	2026110577
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,882.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1408 WATERFALL LN, BAKERSFIELD, CA 93311-5133

Mortgage

Document Number	0000110578,
Date	Sep 16, 2026
Instrument	2026110578

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	1408 WATERFALL LN, BAKERSFIELD, CA 93311-5133
Document Number	0000082258
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1408 WATERFALL LN BAKERSFIELD CA 933115133, BAKERSFIELD, CA 93311-5133

Mortgage

Document Number	0000082258
Date	Jun 26, 2020
Instrument	82258

Lender

Name	CHURCHILL MTG HM LOANS
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 25, 2030

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Nov 28, 2018
Property Address	1408 WATERFALL LN, BAKERSFIELD, CA 93311-5133
Document Number	0000155295
Instrument Date	Nov 2, 2018
Instrument	155295
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1408 WATERFALL LN BAKERSFIELD CA 933115133, BAKERSFIELD, CA 93311-5133

Mortgage

Document Number	155296
Date	Nov 28, 2018
Instrument	155296

Lender

Name	CHURCHILL MTG HM LOANS
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 27, 2033

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Mar 2, 2017
Property Address	1408 WATERFALL LN, BAKERSFIELD, CA 93311-5133
Document Number	0000027708
Instrument Date	Oct 29, 2016
Instrument	27708
Transaction Type	Transfer
Record Updated	Mar 10, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1408 WATERFALL LN BAKERSFIELD CA 933115133, BAKERSFIELD, CA 93311-5133

Mortgage

Document Number	27709
Date	Mar 2, 2017
Instrument	27709

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1408 Waterfall Ln was $5,591 with a homeowner's exemption.

Source: Kern County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Kern County
Municipality	Bakersfield City
Elementary School District	Panama-Buena Vista School District (KG - 08)
Secondary School District	Kern High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$433,235 (+10.96%) Land $96,712 Building $336,523
2025	$5,591.00 Homeowner's exemption	$390,427 Land $94,816 Building $295,611
2023	$5,402.00 (+4.06%) Homeowner's exemption	$375,268 Land $91,135 Building $284,133
2022	$5,191.00

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

Flood

FEMA maps place 1408 Waterfall Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · 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

Wildfire risk around 1408 Waterfall Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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	CITY OF BAKERSFIELD serves 171,108 people · EPA ID CA1510031
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	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 664 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Applied Technology Group Fixed Wireless	500 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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