20973 Cayuga Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 20973 Cayuga Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,954 sqft · built 1959
Lot Size	0.501 acres (21,800 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Jan 2022)
Tax Bill	$4,238 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`3087-282-05-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-282-05-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,954 sqft Living Area
1st Floor Area	1,954 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Modern
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	21,800 sqft (0.501 acres)
Lot Dimensions	218 ft deep x 100 ft wide
Porch	Patio/Porch
Porch Area	132 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	20973 CAYUGA RD
City	APPLE VALLEY
State	CA
Zip	92308-6407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3703 LOT 94 TR NO 3703 LOT 94 EX UND 1/2 INT MIN RTS WOSE
Legal Subdivision	TOWN OF APPLE VALLEY
Legal Tract	3703
Legal Block	1
Legal Lot Number	94
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1009
Census Tract	9721

Owner

20973 Cayuga Rd is owned and occupied by two individuals who bought it in January 2022.

Source: San Bernardino County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20973 CAYUGA RD, APPLE VALLEY, CA 92308-6407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Grant Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 16, 2021	Grant Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on File
Deed Sale	Jan 24, 2022 · Amount on File
Prior Sale	Apr 16, 2021 · Amount on File
Deed Document Number	202228875
Prior Transfer Date	Nov 15, 2007
Prior Transfer Doc	0000669920
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 24, 2022
Property Address	20973 CAYUGA RD, APPLE VALLEY, CA 92308-6407
Document Number	0000028875
Map Reference	MB 48 PG 47&48
Instrument Date	Dec 23, 2021
Instrument	2022-0028875
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	735 W 9TH AVE, ESCONDIDO, CA 92025-4711

Mortgage

Document Number	0000028876
Date	Jan 24, 2022
Instrument	2022-0028876

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 16, 2021
Property Address	20973 CAYUGA RD, APPLE VALLEY, CA 92308-6407
Document Number	0000178106
Map Reference	MB 48 PG 47&48
Instrument Date	Mar 8, 2021
Instrument	2021-0178106
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	16832 VALLEY SPRING DR, RIVERSIDE, CA 92503-0232
Investor	Possibly a Property Investor

Mortgage

Document Number	0000178107
Date	Apr 16, 2021
Instrument	2021-0178107

Lender

Name	LOAN FUNDER LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 13, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 20973 Cayuga Rd was $4,238 with a homeowner's exemption.

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		$377,770 (+2%) Land $75,771 Building $301,999
2025	$4,238.00 Homeowner's exemption	$370,362 Land $74,285 Building $296,077
2023	$4,078.00 (+37.12%) Homeowner's exemption	$355,980 Land $71,400 Building $284,580
2022	$2,974.00

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

Flood

FEMA maps place 20973 Cayuga Rd in Zone D, where flood risk has not been studied.

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

Wildfire risk around 20973 Cayuga Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 250 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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