16481 Cactus St, Hesperia, CA 92345 Property Records

San Bernardino County property record for 16481 Cactus St, Hesperia, CA 92345

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,258 sqft · built 1988
Lot Size	0.436 acres (19,000 sqft)
Owner	2 Individual Names on File
Last Sale	$147,000 (Dec 2013)
Tax Bill	$2,040 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0412-254-06-0000`

Property Details

APN / Parcel Number

Primary APN	`0412-254-06-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,258 sqft Living Area
Gross Area	1,874 sqft
1st Floor Area	1,258 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	19,000 sqft (0.436 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	16481 CACTUS ST
City	HESPERIA
State	CA
Zip	92345-5910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5373 LOT 234 TRACT NO 5373 LOT 234 EX WTR RTS AND EX 1/2 1NT M1N RTS W1THOUT S E
Legal Subdivision	TRACT NO 5373
Legal Tract	5373
Legal Block	1
Legal Lot Number	234
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1014
Census Tract	10032

Owner

16481 Cactus St is owned and occupied by two individuals who bought it in December 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	16481 CACTUS ST, HESPERIA, CA 92345-5910
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
May 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE GOLDEN 1 CU
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 10, 2017	Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2013 · Amount on File
Deed Sale	Dec 12, 2013 · Amount on File
Prior Sale	Jun 25, 2010 · Amount on File
Deed Document Number	2013533102
Prior Transfer Date	Aug 14, 1998
Prior Transfer Doc	0000392894
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	16481 CACTUS ST, HESPERIA, CA 92345-5910
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16481 CACTUS ST, HESPERIA, CA 92345-5910

Mortgage

Document Number	0000112020
Date	May 9, 2023
Instrument	2023-0112020

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 10, 2043

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	16481 CACTUS ST, HESPERIA, CA 92345-5910
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16481 CACTUS ST, HESPERIA, CA 92345-5910

Mortgage

Document Number	0000433346
Date	Sep 23, 2021
Instrument	2021-0433346

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	16481 CACTUS ST, HESPERIA, CA 92345-5910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279018
Date	Jul 10, 2017
Instrument	2017-0279018

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 16481 Cactus St was $2,040.

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		$183,806 (+2%) Land $36,760 Building $147,046
2025	$2,040.00	$180,202 Land $36,039 Building $144,163
2023	$1,973.00 (+2.33%)	$173,204 Land $34,639 Building $138,565
2022	$1,928.00

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

Flood

FEMA maps place 16481 Cactus St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 16481 Cactus St is low, with less than 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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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	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 242 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: T-Mobile, Verizon.

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