20972 Ponca Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 20972 Ponca Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,343 sqft · built 1987
Lot Size	0.494 acres (21,500 sqft)
Owner	Individual Name on Record
Last Sale	$68,000 (Apr 2009)
Tax Bill	$1,134 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2018 Mortgage
Flood Zone	Zone D (undetermined)
APN	`3087-282-16-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-282-16-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,343 sqft Living Area
Gross Area	1,893 sqft
1st Floor Area	1,343 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	21,500 sqft (0.494 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	318 sqft
Patio Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	20972 PONCA RD
City	APPLE VALLEY
State	CA
Zip	92308-6432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3703 LOT 105 TR NO 3703 LOT 105 EX UND 1/2 INT MIN RTS WOSE
Legal Subdivision	TRACT 3703
Legal Tract	3703
Legal Block	1
Legal Lot Number	105
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1009
Census Tract	9721

Owner

Source: San Bernardino County records, as of July 14, 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	20972 PONCA RD, APPLE VALLEY, CA 92308-6432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2009 · Amount on Record
Deed Sale	Apr 23, 2009 · Amount on Record
Prior Sale	Apr 22, 2008 · Amount on Record
Deed Document Number	2009172621
Prior Transfer Date	Apr 3, 2008
Prior Transfer Doc	0000178926
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	20972 PONCA RD, APPLE VALLEY, CA 92308-6432
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20972 PONCA RD, APPLE VALLEY, CA 92308-6432

Mortgage

Document Number	0000344846
Date	Jul 30, 2021
Instrument	2021-0344846

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	20972 PONCA RD, APPLE VALLEY, CA 92308-6432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214889
Date	Jun 14, 2018
Instrument	2018-0214889

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$89,319 (+2%) Land $19,703 Building $69,616
2025	$1,134.00 (+3.85%)	$87,568 (+4.04%) Land $19,317 Building $68,251
2023	$1,092.00 (+1.58%)	$84,168 Land $18,567 Building $65,601
2022	$1,075.00

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 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% 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 337 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.

Nearby Properties on Ponca Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures