20174 Otoe Rd, Apple Valley, CA 92307 Property Records

San Bernardino County property record for 20174 Otoe Rd, Apple Valley, CA 92307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,480 sqft · built 2007
Lot Size	0.611 acres (26,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2019)
Tax Bill	$4,198 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0441-277-09-0000`

Property Details

APN / Parcel Number

Primary APN	`0441-277-09-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,480 sqft Living Area
Gross Area	3,266 sqft
1st Floor Area	2,480 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	26,606 sqft (0.611 acres)
Terrain	Above Road/Slope
Garage Type	Attached
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	824 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20174 OTOE RD
City	APPLE VALLEY
State	CA
Zip	92307-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5745 LOT 33 EX ST
Legal Subdivision	TRACT 5745
Legal Tract	5745
Legal Block	2
Legal Lot Number	33
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1009
Census Tract	9726

Owner

Source: San Bernardino County records, as of July 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2364 PASEO DE LAS AMERICAS, 104160, SAN DIEGO, CA 92154-5224
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Deed of Trust, Mortgage · VA Mortgage VETERANS ADMIN
May 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Apr 29, 2019	Grant Deed, Transfer · VA Mortgage INDEPENDENT FINANCIAL SERVICES GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Mar 8, 2007 · Amount on Record
Deed Document Number	2019133561
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	20174 OTOE RD, APPLE VALLEY, CA 92307-1732
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20174 OTOE RD, APPLE VALLEY, CA 92307-1732

Mortgage

Document Number	0000391488
Date	Dec 6, 2022
Instrument	2022-0391488

Lender

Name	VETERANS ADMIN
Type	Government Agency
Address	DENVER, CO 80249

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	20174 OTOE RD, APPLE VALLEY, CA 92307-1732
Document Number	0000180502
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20174 OTOE RD APPLE VALLEY CA 923071732, APPLE VALLEY, CA 92307-1732

Mortgage

Document Number	0000180502
Date	Jun 1, 2020
Instrument	180502

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 29, 2019
Property Address	20174 OTOE RD, APPLE VALLEY, CA 92307-1732
Document Number	0000133561
Map Reference	MB 71 PG 38&39
Instrument Date	Mar 15, 2019
Instrument	2019-0133561
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	2364 PASEO DE LAS AMERICAS, SAN DIEGO, CA 92154-5224

Mortgage

Document Number	0000133562
Date	Apr 29, 2019
Instrument	2019-0133562

Lender

Name	INDEPENDENT FINANCIAL SERVICES GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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		$369,795 (+2%) Land $51,203 Building $318,592
2025	$4,198.00 (+3.86%)	$362,544 (+4.04%) Land $50,199 Building $312,345
2023	$4,042.00 (+1.51%)	$348,467 Land $48,250 Building $300,217
2022	$3,982.00

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

Flood

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.02% 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	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 98 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

May also be available: Verizon.

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