16286 Wato Rd, Apple Valley, CA 92307 Property Records

San Bernardino County property record for 16286 Wato Rd, Apple Valley, CA 92307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,542 sqft · built 2005
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,584 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0473-343-06-0000`

Property Details

APN / Parcel Number

Primary APN	`0473-343-06-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,542 sqft Living Area
Gross Area	3,004 sqft
1st Floor Area	2,542 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	18,731 sqft (0.43 acres)
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	683 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16286 WATO RD
City	APPLE VALLEY
State	CA
Zip	92307-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT NO 7802 DESERT KNOLLS MANOR UNIT NO 1 LOT 122
Legal Subdivision	TRACT 7802
Legal Tract	7802
Legal Block	3
Legal Lot Number	122
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	3
Census Block	3037
Census Tract	12101

Owner

16286 Wato Rd is owned and occupied by two individuals who acquired it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230
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
Mar 25, 2026	Deed of Trust, Mortgage · FHA Mortgage GOODLEAP LC
Apr 3, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2022	Intrafamily Transfer, Transfer
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2025
Deed Sale	Apr 17, 2025
Prior Sale	Apr 3, 2023 · Amount on File
Deed Document Number	202584383
Prior Transfer Date	Apr 11, 2025
Prior Transfer Doc	0000084385
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230

Mortgage

Document Number	0000076695
Date	Mar 25, 2026
Instrument	2026-0076695

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 3, 2023
Property Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230
Document Number	0000076527
Map Reference	MB 100 PG 56-68
Instrument Date	Mar 28, 2023
Instrument	2023-0076527
Transaction Type	Transfer
Record Updated	Apr 20, 2023
Title Company	NOT AVAILABLE, ENDPOINT TITLE INC

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
Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230

Mortgage

Document Number	0000076528
Date	Apr 3, 2023
Instrument	2023-0076528

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 14, 2022
Property Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230
Document Number	0000246224
Map Reference	MB 100 PG 56-58
Instrument Date	Jul 8, 2022
Instrument	2022-0246224
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	16286 WATO RD, APPLE VALLEY, CA 92307-1230
Document Number	0000092232
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Apr 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16286 WATO RD APPLE VALLEY CA 923071230, APPLE VALLEY, CA 92307-1230

Mortgage

Document Number	0000092232
Date	Mar 16, 2020
Instrument	92232

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16286 Wato Rd was $5,584.

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		$499,800 (+2%) Land $102,000 Building $397,800
2025	$5,584.00 Homeowner's exemption	$490,000 Land $100,000 Building $390,000
2023	$5,387.00 (-6.9%) Homeowner's exemption	$496,149 Land $95,524 Building $400,625
2022	$5,786.00

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

Flood

FEMA maps place 16286 Wato Rd 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

Wildfire risk around 16286 Wato Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 302 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
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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