21884 Gardena Ln, Wildomar, CA 92595 Property Records

Riverside County property record for 21884 Gardena Ln, Wildomar, CA 92595

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,858 sqft · built 2001
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,463 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380-312-028`

Property Details

APN / Parcel Number

Primary APN	`380-312-028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,858 sqft Living Area
Gross Area	2,711 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Construction Type	Wood
Roof Material	Tile
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	813 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	21884 GARDENA LN
City	WILDOMAR
State	CA
Zip	92595-7806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.19 ACRES IN LOT 113 MB 302/017 TR 28586
Legal Subdivision	TRACT 28586
Legal Tract	28586
Legal Lot Number	113
Jurisdiction	RIVERSIDE CA
Township / Civil Division	MURRIETA
Census Block Group	1
Census Block	1021
Census Tract	43271

Owner

21884 Gardena Ln is owned and occupied by two individuals who acquired it in October 2020.

Source: Riverside County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21884 GARDENA LN, WILDOMAR, CA 92595-7806
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
Oct 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 20, 2020	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2020
Deed Sale	Oct 20, 2020
Prior Sale	Aug 16, 2002 · Amount on File
Deed Document Number	2020502228
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	0000502228
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	21884 GARDENA LN, WILDOMAR, CA 92595-7806
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21884 GARDENA LN, WILDOMAR, CA 92595-7806

Mortgage

Document Number	0000302856
Date	Oct 2, 2025
Instrument	2025-0302856

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2045

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RIVERSIDE CA
Recording Date	Oct 20, 2020
Property Address	21884 GARDENA LN, WILDOMAR, CA 92595-7806
Document Number	0000502228
Map Reference	MB 302 PG 17-24
Instrument Date	Oct 7, 2020
Instrument	2020-0502228
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN 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
Relationship	Joint Tenants
Address	21884 GARDENA LN, WILDOMAR, CA 92595-7806

Mortgage

Document Number	0000502229
Date	Oct 20, 2020
Instrument	2020-0502229

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 21884 Gardena Ln was $3,463 with a homeowner's exemption.

Source: Riverside County assessment roll, as of July 29, 2026

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Municipality	Wildomar City
Unified School District	Lake Elsinore Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$322,759 (+2%) Land $44,299 Building $278,460
2025	$3,463.00 Homeowner's exemption	$316,431 Land $43,431 Building $273,000
2023	$3,269.00 (+1.93%) Homeowner's exemption	$304,146 Land $41,746 Building $262,400
2022	$3,207.00
2021			$478,080

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21884 Gardena Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 21884 Gardena Ln is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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	ELSINORE VALLEY MWD serves 169,455 people · EPA ID CA3310012
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	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 481 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
AT&T Fixed Wireless	100 / 20

May also be available: Accel Wireless, GeoLinks, Verizon.

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