Riverside County property record for 2048 Opal St, Banning, CA 92220
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,741 sqft · built 2021 |
| Lot Size | 0.121 acres (5,314 sqft) |
| Owner | Individual Name on File |
| Last Sale | $419,000 (Oct 2021) |
| Tax Bill | $8,312 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 408-630-038 |
| Primary APN | 408-630-038 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,741 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Construction Type | Wood |
| Lot Area | 5,314 sqft (0.121 acres) |
| Garage Type | Attached |
| Garage Area | 445 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 408630038 |
|---|---|
| Street Address | 2048 OPAL ST |
| City | BANNING |
| State | CA |
| Zip | 92220-1014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACRES 0.12201474 ACREAGEQUALCODE ML LOT 58 LOTTYPE L MAPPLATB 474 MAPPLATP 079 SUBDIVISIONNAME TR 37390 |
| Legal Tract | 37390 |
| Legal Lot Number | 58 |
| Jurisdiction | RIVERSIDE CA |
| Township / Civil Division | SAN GORGONIO PASS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 44103 |
2048 Opal St is owned and occupied by an individual who bought it in October 2021.
Source: Riverside County records, as of October 13, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2048 OPAL ST, BANNING, CA 92220-1014 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2022 | Deed of Trust, Mortgage · Line of Credit ALTA VISTA CU |
| Oct 29, 2021 | Grant Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on File |
| Deed Sale | Oct 29, 2021 · Amount on File |
| Deed Document Number | 2021-0641431 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 2048 OPAL ST, BANNING, CA 92220-1014 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 2048 OPAL ST, BANNING, CA 92220-1014 |
| Document Number | 0000462296 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 2022-0462296 |
| Name | ALTA VISTA CU |
|---|---|
| Type | Credit Union |
| Address | REDLANDS, CA 92374 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Oct 29, 2021 |
| Property Address | 2048 OPAL ST, BANNING, CA 92220-1014 |
| Document Number | 0000641431 |
| Map Reference | MB 474 PG 79-87 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 2021-0641431 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2048 OPAL ST, BANNING, CA 92220-1014 |
| Document Number | 0000641432 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021-0641432 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 2048 Opal St was $8,312.
Source: Riverside County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| Municipality | Banning City |
| County | Riverside County |
| Unified School District | Beaumont Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,312.00 | $444,614 Land $79,590 Building $365,024 |
| 2023 | $8,234.00 (+2.07%) | $427,350 Land $76,500 Building $350,850 |
| 2022 | $8,067.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2048 Opal St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 14, 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 risk around 2048 Opal St is very high, ranking above 90% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 90% of the US · above 72% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 | CITY OF BANNING serves 31,680 people · EPA ID CA3310006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022–2024) 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 509 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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