San Bernardino County property record for 16986 Ocotilla Rd, Apple Valley, CA 92307
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,430 sqft · built 1985 |
| Lot Size | 0.486 acres (21,169 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (May 2026) |
| Tax Bill | $2,640 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit May 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone D (undetermined) |
| APN | 0437-271-08-0000 |
| Primary APN | 0437-271-08-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,430 sqft Living Area |
| Gross Area | 1,997 sqft |
| 1st Floor Area | 1,430 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Modern |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 21,169 sqft (0.486 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio/Porch |
| Porch Area | 342 sqft |
| Patio Area | 342 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 16986 OCOTILLA RD |
|---|---|
| City | APPLE VALLEY |
| State | CA |
| Zip | 92307-1188 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT NO 56O2 LOT 8 EX 1/2 M1N RTS W1THOUT S E |
| Legal Subdivision | TRACT NO 5602 |
| Legal Tract | 5602 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN BERNARDINO CA |
| Township / Civil Division | VICTORVILLE-HESPERIA |
| Census Block Group | 1 |
| Census Block | 1106 |
| Census Tract | 12101 |
16986 Ocotilla Rd is owned and occupied by an individual who bought it in May 2026.
Source: San Bernardino County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| 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.
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| May 5, 2026 | Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jan 2, 2020 | Deed of Trust, Mortgage · VA Mortgage SYNERGY ONE LENDING |
| Jan 20, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Dec 10, 2020 | Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA |
| Dec 10, 2020 | Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on File |
| Deed Sale | May 5, 2026 · Amount on File |
| Prior Sale | Sep 19, 2016 · Amount on File |
| Deed Document Number | 2026114296 |
| Prior Transfer Date | Dec 14, 2024 |
| Prior Transfer Doc | 0000306173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Document Number | 0000037035 |
|---|---|
| Date | Feb 6, 2026 |
| Instrument | 2026-0037035 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | May 5, 2026 |
| Property Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Document Number | 0000114296 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 2026114296 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47,217.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Investor | Possibly a Property Investor |
| Document Number | 0000114297, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026114297 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ADVANTAGE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000565 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 2020-0000565 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Document Number | 0000026527 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 2021-0026527 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Dec 10, 2020 |
| Property Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Document Number | 0000502893 |
| Instrument Date | Jan 22, 2020 |
| Instrument | 502893 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16986 OCOTILLA RD APPLE VALLEY CA 923071188, APPLE VALLEY, CA 92307-1188 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Dec 10, 2020 |
| Property Address | 16986 OCOTILLA RD, APPLE VALLEY, CA 92307-1188 |
| Document Number | 0000502894 |
| Instrument Date | Jan 22, 2020 |
| Instrument | 502894 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 16986 OCOTILLA RD APPLE VALLEY CA 923071188, APPLE VALLEY, CA 92307-1188 |
The 2025 property tax bill for 16986 Ocotilla Rd was $2,640.
Source: San Bernardino County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| Municipality | Apple Valley Town |
| County | San Bernardino County |
| Unified School District | Apple Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $226,105 (+2%) Land $45,221 Building $180,884 | |
| 2025 | $2,640.00 Homeowner's exemption | $221,671 Land $44,334 Building $177,337 |
| 2023 | $2,468.00 (+1.61%) Homeowner's exemption | $213,064 Land $42,613 Building $170,451 |
| 2022 | $2,429.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 16986 Ocotilla Rd in Zone D, where flood risk has not been studied.
Source: FEMA National Flood Hazard Layer, effective October 12, 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 16986 Ocotilla Rd is moderate, ranking above 46% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.06% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GOLDEN STATE WATER CO - APPLE VLY NORTH private · serves 2,097 people · EPA ID CA3610105 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 84 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 |
| Verizon Fixed Wireless | 300 / 20 |
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