16109 Spruce St, Hesperia, CA 92345 Property Records

San Bernardino County property record for 16109 Spruce St, Hesperia, CA 92345

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,632 sqft · built 1965
Lot Size	0.204 acres (8,875 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Aug 2018)
Tax Bill	$2,213 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0407-284-07-0000`

Property Details

APN / Parcel Number

Primary APN	`0407-284-07-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,632 sqft Total Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Hip
Lot Area	8,875 sqft (0.204 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	16109 SPRUCE ST
City	HESPERIA
State	CA
Zip	92345-3275
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	ASSESSORS MAP NO 15 LOT 16 BLK 151C EX WTR RTS AND EX 1/2 INT MIN RTS WITHOUT S
Legal Tract	R
Legal Block	151
Legal Lot Number	16
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	3
Census Block	3016
Census Tract	10014

Owner

16109 Spruce St, a duplex, is owned and occupied by two individuals who bought it in August 2018.

Source: San Bernardino County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16109 SPRUCE ST, HESPERIA, CA 92345-3275
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage INSPIRE HOME LOANS INC
Aug 1, 2018	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on File
Deed Sale	Aug 1, 2018 · Amount on File
Deed Document Number	2018279988
Prior Transfer Date	Mar 15, 2010
Prior Transfer Doc	0000137867
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	16109 SPRUCE ST, HESPERIA, CA 92345-3275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2022, MONTCLAIR, CA 91763-0522

Mortgage

Document Number	0000477533
Date	Nov 25, 2020
Instrument	2020-0477533

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 1, 2018
Property Address	16109 SPRUCE ST, HESPERIA, CA 92345-3275
Document Number	0000279988
Map Reference	MB 1 PG 25-29
Instrument Date	Jul 18, 2018
Instrument	2018-0279988
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount on Record
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	16109 SPRUCE ST, HESPERIA, CA 92345-3275

Mortgage

Document Number	0000279989
Date	Aug 1, 2018
Instrument	2018-0279989

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 16109 Spruce St was $2,213.

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

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Hesperia City
Unified School District	Hesperia Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$199,122 (+2%) Land $28,446 Building $170,676
2025	$2,213.00	$195,217 Land $27,888 Building $167,329
2023	$2,140.00 (+2.29%)	$187,636 Land $26,805 Building $160,831
2022	$2,092.00

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

Flood

FEMA maps place 16109 Spruce St in Zone X, an area of minimal flood risk.

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

The area around 16109 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

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	HESPERIA WD serves 101,836 people · EPA ID CA3610024
Water Source	Groundwater
Last State Inspection	Sep 2025
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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures