San Bernardino County property record for 18315 Ranchero Rd, Hesperia, CA 92345
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,839 sqft · built 1988 |
| Lot Size | 0.788 acres (34,342 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,443 (2025) |
| Deeds & Mortgages | Jun 2022 Reverse Mortgage Aug 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0398-198-11-0000 |
| Primary APN | 0398-198-11-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,839 sqft Living Area |
| 1st Floor Area | 2,839 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Modern |
| Construction Type | Frame |
| Roof Material | Tile |
| Lot Area | 34,342 sqft (0.788 acres) |
| Garage Type | Detached |
| Garage Area | 1,100 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio/Porch |
| Porch Area | 576 sqft |
| Patio Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 18315 RANCHERO RD |
|---|---|
| City | HESPERIA |
| State | CA |
| Zip | 92345-7475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 5581 LOT 407 TRACT NO 5581 LOT 407 EX WATER RTS AND EX 1/2 INT MIN RTS WITHOUT S E |
| Legal Subdivision | TRACT NO. 5581 |
| Legal Tract | 5581 |
| Legal Block | 3 |
| Legal Lot Number | 407 |
| Jurisdiction | SAN BERNARDINO CA |
| Township / Civil Division | VICTORVILLE-HESPERIA |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 10024 |
18315 Ranchero Rd is owned by a company that acquired it in May 2022 and is owner-occupied.
Source: San Bernardino County records, as of July 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 |
|---|---|
| Jun 29, 2022 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Aug 25, 2022 | Intrafamily Transfer, Transfer |
| Sep 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Sep 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 14, 2022 |
| Transfer Doc | 0000291860 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Document Number | 0000229755 |
|---|---|
| Date | Jun 29, 2022 |
| Instrument | 2022-0229755 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 882 Months |
| Due | Dec 4, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.48% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 9.48% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Aug 25, 2022 |
| Property Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Document Number | 0000291860 |
| Map Reference | MB 67 PG 63-74 |
| Instrument Date | May 14, 2022 |
| Instrument | 2022-0291860 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Document Number | 0000379565 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18315 RANCHERO RD HESPERIA CA 923457475, HESPERIA, CA 92345-7475 |
| Document Number | 0000379565 |
|---|---|
| Date | Sep 13, 2017 |
| Instrument | 379565 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.46% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 18315 RANCHERO RD, HESPERIA, CA 92345-7475 |
| Document Number | 0000379564 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2017 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18315 RANCHERO RD HESPERIA CA 923457475, HESPERIA, CA 92345-7475 |
| Document Number | 0000379564 |
|---|---|
| Date | Sep 13, 2017 |
| Instrument | 379564 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74137 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.46% |
The 2025 property tax bill for 18315 Ranchero Rd was $3,443 with a homeowner's exemption.
Source: San Bernardino County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Bernardino County |
| Municipality | Hesperia City |
| Unified School District | Hesperia Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $322,355 (+2%) Land $49,782 Building $272,573 | |
| 2025 | $3,443.00 Homeowner's exemption | $316,034 Land $48,806 Building $267,228 |
| 2023 | $3,325.00 (+2.4%) Homeowner's exemption | $303,762 Land $46,911 Building $256,851 |
| 2022 | $3,247.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 18315 Ranchero Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.
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 |
| Nearby Flood Claims | 2 (2013–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
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 risk around 18315 Ranchero Rd is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.09% 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 | 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 |
| 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 139 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures