2705 Cole Ave, Highland, CA 92346 Property Records

San Bernardino County property record for 2705 Cole Ave, Highland, CA 92346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,503 sqft · built 1977
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$597,000 (Mar 2026)
Tax Bill	$4,583 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0285-851-13-0000`

Property Details

APN / Parcel Number

Primary APN	`0285-851-13-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,503 sqft Living Area
Gross Area	1,986 sqft
1st Floor Area	1,503 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Modern
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	174 sqft
Patio Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2705 COLE AVE
City	HIGHLAND
State	CA
Zip	92346-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 7248 LOT 12
Legal Subdivision	TRACT NO. 7248
Legal Tract	7248
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1004
Census Tract	7404

Owner

2705 Cole Ave is owned and occupied by two individuals who bought it in March 2026.

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	2705 COLE AVE, HIGHLAND, CA 92346-1814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 5, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 20, 2026	Grant Deed, Transfer · FHA Mortgage STATEWIDE FUNDING INC
Dec 26, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on File
Deed Sale	Mar 20, 2026 · Amount on File
Prior Sale	Nov 20, 2015 · Amount on File
Deed Document Number	202673512
Prior Transfer Date	Jan 7, 2010
Prior Transfer Doc	0000055217
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2705 COLE AVE, HIGHLAND, CA 92346-1814
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 COLE AVE, HIGHLAND, CA 92346-1814

Mortgage

Document Number	0000360444
Date	Oct 31, 2022
Instrument	2022-0360444

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2705 COLE AVE, HIGHLAND, CA 92346-1814
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 COLE AVE, HIGHLAND, CA 92346-1814

Mortgage

Document Number	0000208674
Date	Sep 5, 2024
Instrument	2024-0208674

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2054

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Mar 20, 2026
Property Address	2705 COLE AVE, HIGHLAND, CA 92346-1814
Document Number	0000073512
Map Reference	MB 128 PG 52-54
Instrument Date	Jan 15, 2026
Instrument	2026-0073512
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Relationship	Community Property
Address	2705 COLE AVE, HIGHLAND, CA 92346-1814

Mortgage

Document Number	0000073513
Date	Mar 20, 2026
Instrument	2026-0073513

Lender

Name	STATEWIDE FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2705 COLE AVE, HIGHLAND, CA 92346-1814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000476417
Date	Dec 26, 2019
Instrument	2019-0476417

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2705 Cole Ave was $4,583.

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	San Bernardino City
Unified School District	San Bernardino City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$368,279 (+2%) Land $110,483 Building $257,796
2025	$4,583.00 Homeowner's exemption	$361,058 Land $108,317 Building $252,741
2023	$4,373.00 (-0.16%) Homeowner's exemption	$347,037 Land $104,111 Building $242,926
2022	$4,380.00

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

Flood

FEMA maps place 2705 Cole Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 2705 Cole Ave is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 52% of California
Wildfire Likelihood	0.6% 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	EAST VALLEY WATER DISTRICT serves 108,600 people · EPA ID CA3610064
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2017
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 500 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	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks.

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