2186 Cowlin Ave, Commerce (Los Angeles), CA 90040 Property Records

Los Angeles County property record for 2186 Cowlin Ave, Commerce, CA 90040

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,200 sqft · built 1940
Lot Size	0.135 acres (5,896 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,213 (2025)
Deeds & Mortgages	Aug 2021 Construction Loan Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5244-014-028`

Property Details

APN / Parcel Number

Primary APN	`5244-014-028`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	5,896 sqft (0.135 acres)
Lot Dimensions	116 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2186 COWLIN AVE
City	COMMERCE
State	CA
Zip	90040-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CMR2YY
Legal Description	TRACT # 8047 LOT 137
Legal Subdivision	ADDITION #1 TO THE VIGNES TRACT
Legal Tract	8047
Legal Block	3
Legal Lot Number	137
Jurisdiction	LOS ANGELES CA
Township / Civil Division	SOUTH GATE-EAST LOS ANGELES
Census Block Group	3
Census Block	3021
Census Tract	532302

Owner

2186 Cowlin Ave is owned and occupied by two individuals who acquired it in February 2006.

Source: Los Angeles County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 10, 2021	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 15, 2021	Deed of Trust, Mortgage · FHA Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 25, 2006
Transfer Doc	0000559995
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOS ANGELES CA
Property Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334

Mortgage

Document Number	0001223382
Date	Aug 10, 2021
Instrument	21-1223382

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 4, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOS ANGELES CA
Property Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334

Mortgage

Document Number	0000881620
Date	Jun 3, 2021
Instrument	21-0881620

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOS ANGELES CA
Property Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 COWLIN AVE, COMMERCE, CA 90040-1334

Mortgage

Document Number	0000085562
Date	Jan 15, 2021
Instrument	21-0085562

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2186 Cowlin Ave was $4,213 with a homeowner's exemption.

Source: Los Angeles County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	California
County	Los Angeles County
Municipality	Commerce City
Unified School District	Montebello Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$313,012 (+1.99%) Land $28,228 Building $284,784
2025	$4,213.00 Homeowner's exemption	$306,897 Land $27,675 Building $279,222
2023	$3,968.00 (+3.58%) Homeowner's exemption	$294,982 Land $26,601 Building $268,381
2022	$3,831.00

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

Flood

FEMA maps place 2186 Cowlin Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 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

The area around 2186 Cowlin Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	COMMERCE-CITY, WATER DEPT. serves 3,598 people · EPA ID CA1910050
Water Source	Purchased surface water from METROPOLITAN WATER DIST. OF SO. CAL.
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2024–2026) 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 696 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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