20986 Ponca Rd, Apple Valley, CA 92308 Property Records

San Bernardino County property record for 20986 Ponca Rd, Apple Valley, CA 92308

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,327 sqft · built 1985
Lot Size	0.494 acres (21,500 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Mar 2025)
Tax Bill	$4,767 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`3087-282-15-0000`

Property Details

APN / Parcel Number

Primary APN	`3087-282-15-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,327 sqft Living Area
Gross Area	1,789 sqft
1st Floor Area	1,327 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	21,500 sqft (0.494 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	20986 PONCA RD
City	APPLE VALLEY
State	CA
Zip	92308-6432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT NO 37O3 LOT 1O4 EX 1/2 1NT M1N RTS W1THOUT S E
Legal Subdivision	TRACT NO. 3703
Legal Tract	3703
Legal Block	1
Legal Lot Number	104
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	VICTORVILLE-HESPERIA
Census Block Group	1
Census Block	1009
Census Tract	9721

Owner

20986 Ponca Rd is owned and occupied by an individual who bought it in March 2025.

Source: San Bernardino County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20986 PONCA RD, APPLE VALLEY, CA 92308-6432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Grant Deed, Transfer · FHA Mortgage TRUSTED RATE INC
May 2, 2022	Grant Deed, Transfer · Commercial Mortgage BANK OF THE WEST
May 2, 2022	Affidavit of Death of Joint Tenant, Transfer USA NATIONAL TITLE COMPANY
Apr 21, 2020	Loan Modification, Mortgage · VA Mortgage FREEDOM MTG
Aug 6, 2018	Loan Modification, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2025 · Amount on File
Deed Sale	Mar 4, 2025 · Amount on File
Prior Sale	Sep 12, 2022 · Amount on File
Deed Document Number	202547044
Prior Transfer Date	Oct 3, 2007
Prior Transfer Doc	0000572874
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 12, 2022
Property Address	20986 PONCA RD, APPLE VALLEY, CA 92308-6432
Document Number	0000311207
Map Reference	MB 48 PG 47&48
Instrument Date	Aug 22, 2022
Instrument	2022-0311207
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	USA NATIONAL TITLE COMPANY

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	20986 PONCA RD, APPLE VALLEY, CA 92308-6432

Mortgage

Document Number	0000311208
Date	Sep 12, 2022
Instrument	2022-0311208

Lender

Name	TRUSTED RATE INC
Type	Non-Lending Institution
Address	IRVINE, CA 92612

Agreement

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

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 2, 2022
Property Address	20986 PONCA RD, APPLE VALLEY, CA 92308-6432
Document Number	0000163981
Map Reference	MB 48 PG 47-48
Instrument Date	Apr 27, 2022
Instrument	2022-0163981
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	USA NATIONAL TITLE COMPANY

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	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

Mortgage

Document Number	0000176305
Date	May 11, 2022
Instrument	2022-0176305

Lender

Name	BANK OF THE WEST
Type	Bank
Address	TORRANCE, CA 90503

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 2, 2022
Property Address	20986 PONCA RD, APPLE VALLEY, CA 92308-6432
Document Number	0000163979
Map Reference	MB 48 PG 47-48
Instrument Date	Mar 28, 2022
Instrument	2022-0163979
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	USA NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 251, VICTORVILLE, CA 92393-0251

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	20986 PONCA RD, APPLE VALLEY, CA 92308-6432
Document Number	0000171584
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20986 PONCA RD APPLE VALLEY CA 923086432, APPLE VALLEY, CA 92308-6432

Mortgage

Document Number	0000171584
Date	May 22, 2020
Instrument	171584

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	264 Months
Due	May 21, 2042

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	20986 PONCA RD, APPLE VALLEY, CA 92308-6432
Document Number	0000449500
Instrument Date	Aug 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 251 VICTORVILLE CA 923930251, VICTORVILLE, CA 92393-0251

Mortgage

Document Number	0000449500
Date	Dec 4, 2018
Instrument	449500

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 3, 2043

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 20986 Ponca Rd was $4,767.

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		$387,600 (-5.68%) Land $77,520 Building $310,080
2025	$4,767.00 Homeowner's exemption	$410,958 Land $82,192 Building $328,766
2023	$4,591.00 (+143.43%) Homeowner's exemption	$395,000 Land $79,000 Building $316,000
2022	$1,886.00

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

Flood

FEMA maps place 20986 Ponca 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 20986 Ponca Rd is low, with less than 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 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.

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