20431 Thermal Rd, Sanger, CA 93657 Property Records

Fresno County property record for 20431 Thermal Rd, Sanger, CA 93657

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,942 sqft · built 2016
Lot Size	4.45 acres (193,842 sqft)
Owner	Individual Name on Record
Tax Bill	$9,054 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158-203-14S`

Property Details

APN / Parcel Number

Primary APN	`158-203-14S`
Alternative APN	`15820314`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,942 sqft Living Area
1st Floor Area	1,942 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	193,842 sqft
Garage Area	2,620 sqft
Parking Spaces	9 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration

Location & Zoning

Street Address	20431 THERMAL RD
City	SANGER
State	CA
Zip	93657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE160
Legal Description	SUR RT 4.45 AC IN LOT 21 KINGS RIVER THERMAL #2
Legal Subdivision	KINGS RIVER THERMAL SUB #2
Legal Tract	2
Legal Lot Number	21
Jurisdiction	FRESNO CA
Township / Civil Division	SIERRA
Census Block Group	2
Census Block	2040
Census Tract	6411

Owner

Source: Fresno County records, as of August 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	20431 THERMAL RD, SANGER, CA 93657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage EDUCATIONAL EMPLOYEES CU
Jul 10, 2025	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jun 3, 2026	Grant Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026
Deed Sale	Jun 3, 2026
Prior Sale	Oct 22, 2024 · Amount on Record
Deed Document Number	202654877
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	20431 THERMAL RD, SANGER, CA 93657
Transaction Type	Mortgage
Record Updated	Jun 11, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20431 THERMAL RD, SANGER, CA 93657

Mortgage

Document Number	0000158873
Date	Sep 29, 2021
Instrument	2021-0158873

Lender

Name	EDUCATIONAL EMPLOYEES CU
Type	Credit Union
Address	FRESNO, CA 93711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	20431 THERMAL RD, SANGER, CA 93657
Transaction Type	Mortgage
Record Updated	Jun 11, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20431 THERMAL RD, SANGER, CA 93657

Mortgage

Document Number	0000065143
Date	Jul 10, 2025
Instrument	2025-0065143

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRESNO CA
Recording Date	Jun 3, 2026
Property Address	20431 THERMAL RD, SANGER, CA 93657
Document Number	0000054877
Instrument Date	May 29, 2026
Instrument	202654877
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20431 THERMAL RD, SANGER, CA 93657

Mortgage

Document Number	0000054878,
Date	Jun 3, 2026
Instrument	202654878

Lender

Name	EQUITY PRIME MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

Source: Fresno County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Fresno County
Unified School District	Sanger Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$912,900 (+2%) Land $229,500 Building $683,400
2025	$9,054.00 (+124.44%)	$895,000 (+166.03%) Land $225,000 Building $670,000
2023	$4,034.00 (+1.59%) Homeowner's exemption	$336,422 Land $38,966 Building $297,456
2022	$3,971.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 29, 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 Record median of 38 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	5 (2023)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims

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

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

Wildfire Risk	High above 77% of the US · above 53% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
unWired Broadband Fixed Wireless	400 / 50

May also be available: Frontier, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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