15192 Sapling Ln, Fontana, CA 92336 Property Records

San Bernardino County property record for 15192 Sapling Ln, Fontana, CA 92336

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,287 sqft · built 2009
Lot Size	0.262 acres (11,400 sqft)
Owner	Individual Name on File
Tax Bill	$9,624 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Apr 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0228-702-10-0000`

Property Details

APN / Parcel Number

Primary APN	`0228-702-10-0000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,287 sqft Living Area
Gross Area	3,908 sqft
1st Floor Area	1,482 sqft
2nd Floor Area	1,805 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	11,400 sqft (0.262 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15192 SAPLING LN
City	FONTANA
State	CA
Zip	92336-5224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16243 LOT 10 BOOK 332 PAGE 24
Legal Subdivision	TRACT NO 16243
Legal Tract	16243
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1012
Census Tract	2311

Owner

Source: San Bernardino County assessment roll, 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	Individual Name on File
Mailing Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAZLE MORTGAGE INC
Apr 4, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 7, 2019	Deed of Trust, Mortgage · VA Mortgage ALL WESTERN MORTGAGE INC
Nov 10, 2020	Deed of Trust, Mortgage · VA Mortgage GOLDEN EMPIRE MORTGAGE INC
Dec 29, 2020	Deed of Trust, Mortgage · VA Mortgage GOLDEN EMPIRE MORTGAGE INC
Feb 13, 2020	Intrafamily Transfer, Transfer · VA Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2020
Deed Sale	Feb 13, 2020
Prior Sale	Mar 11, 2015
Deed Document Number	202054039
Prior Transfer Date	Jan 10, 2020
Prior Transfer Doc	0000054039
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15192 SAPLING LN, FONTANA, CA 92336-5224

Mortgage

Document Number	0000218692
Date	Sep 6, 2023
Instrument	2023-0218692

Lender

Name	CAZLE MORTGAGE INC
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2038

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	F1RST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000139228
Date	Apr 4, 2017
Instrument	2017-0139228

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jul 1, 2045

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070830
Date	Mar 7, 2019
Instrument	2019-0070830

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company
Address	LAS VEGAS, NV 89113

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15192 SAPLING LN, FONTANA, CA 92336-5224

Mortgage

Document Number	0000445355
Date	Nov 10, 2020
Instrument	2020-0445355

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15192 SAPLING LN, FONTANA, CA 92336-5224

Mortgage

Document Number	0000530420
Date	Dec 29, 2020
Instrument	2020-0530420

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 13, 2020
Property Address	15192 SAPLING LN, FONTANA, CA 92336-5224
Document Number	0000054039
Map Reference	MB 332 PG 24-26
Instrument Date	Jan 10, 2020
Instrument	2020-0054039
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAWYERS TITLE

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	15192 SAPLING LN, FONTANA, CA 92336-5224

Mortgage

Document Number	0000054040
Date	Feb 13, 2020
Instrument	2020-0054040

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Fontana City
Secondary School District	Chaffey Joint Union High School District (09 - 12)
Elementary School District	Etiwanda Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$537,485 (+2%) Land $134,372 Building $403,113
2025	$9,624.00 (+4.09%)	$526,946 (+4.04%) Land $131,737 Building $395,209
2023	$9,246.00 (+7.71%)	$506,485 Land $126,622 Building $379,863
2022	$8,584.00

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	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAN GABRIEL VALLEY WC - FONTANA private · serves 228,270 people · EPA ID CA3610041
Water Source	Surface water
Last State Inspection	Apr 2022
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 771 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet.

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