2098 Opal St, Banning, CA 92220 Property Records

Riverside County property record for 2098 Opal St, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,195 sqft · built 2022
Lot Size	0.126 acres (5,505 sqft)
Owner	Individual Name on Record
Last Sale	$599,000 (Jul 2022)
Tax Bill	$10,675 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`408-630-034`

Property Details

APN / Parcel Number

Primary APN	`408-630-034`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,195 sqft Living Area

Exterior

Year Built	Built 2022
Construction Type	Wood
Lot Area	5,505 sqft (0.126 acres)
Garage Type	Attached
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	408630034
Street Address	2098 OPAL ST
City	BANNING
State	CA
Zip	92220-1014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES 0.12639659 ACREAGEQUALCODE ML LOT 54 LOTTYPE L MAPPLATB 474 MAPPLATP 079 SUBDIVISIONNAME TR 37390
Legal Tract	37390
Legal Lot Number	54
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	1
Census Block	1018
Census Tract	44103

Owner

Source: Riverside County records, as of October 13, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2098 OPAL ST, BANNING, CA 92220-1014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Deed Document Number	2022-0335281
Record Updated	Jun 8, 2026

July 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 28, 2022
Property Address	2098 OPAL ST, BANNING, CA 92220-1014
Document Number	0000335281
Map Reference	MB 474 PG 79-87
Instrument Date	Jun 28, 2022
Instrument	2022-0335281
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2022
Title Company	FIRST AMERICAN TITLE HOMEBUILD, FIRST AMER TTL HOMEBUILDER S

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	2098 OPAL ST, BANNING, CA 92220-1014

Mortgage

Document Number	0000335282
Date	Jul 28, 2022
Instrument	2022-0335282

Lender

Name	CLEAREDGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Aug 1, 2027
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	7.99%
Index	Other
Margin	4
Max Rate	10.9%

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
Municipality	Banning City
County	Riverside County
Unified School District	Beaumont Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$10,675.00 (+0.68%)	$623,086 (+4.04%) Land $78,030 Building $545,056
2023	$10,603.00 (+298.76%)	$598,892 Land $75,000 Building $523,892
2022	$2,659.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 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

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.

Drinking Water

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

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 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