2804 Cole Ave, Highland, CA 92346 Property Records

San Bernardino County property record for 2804 Cole Ave, Highland, CA 92346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 1978
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,302 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0285-901-13-0000`

Property Details

APN / Parcel Number

Primary APN	`0285-901-13-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,870 sqft Living Area
Gross Area	2,353 sqft
1st Floor Area	1,870 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Modern
Exterior Material	Block
Construction Type	Frame
Roof Material	Tile
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	100 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	384 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2804 COLE AVE
City	HIGHLAND
State	CA
Zip	92346-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 7989 LOT 28
Legal Subdivision	TRACT NO. 7989
Legal Tract	7989
Legal Block	2
Legal Lot Number	28
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	2
Census Block	2000
Census Tract	7404

Owner

2804 Cole Ave is owned and occupied by two individuals who acquired it in February 2014.

Source: San Bernardino County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2804 COLE AVE, HIGHLAND, CA 92346-1815
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 3, 2022	Deed of Trust, Mortgage · VA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jul 2, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 6, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Dec 2, 2019	Deed of Trust, Mortgage · VA Mortgage ORION LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2014
Deed Sale	Feb 7, 2014
Deed Document Number	201454662
Prior Transfer Date	Jan 17, 2014
Prior Transfer Doc	0000054662
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2804 COLE AVE, HIGHLAND, CA 92346-1815
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 COLE AVE, HIGHLAND, CA 92346-1815

Mortgage

Document Number	0000046995
Date	Feb 3, 2022
Instrument	2022-0046995

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2804 COLE AVE, HIGHLAND, CA 92346-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000238722
Date	Jul 2, 2018
Instrument	2018-0238722

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2804 COLE AVE, HIGHLAND, CA 92346-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069646
Date	Mar 6, 2019
Instrument	2019-0069646

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2804 COLE AVE, HIGHLAND, CA 92346-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 COLE AVE, HIGHLAND, CA 92346-1815

Mortgage

Document Number	0000369027
Date	Sep 29, 2020
Instrument	2020-0369027

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	2804 COLE AVE, HIGHLAND, CA 92346-1815
Document Number	0000454180
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2804 COLE AVE HIGHLAND CA 923461815, HIGHLAND, CA 92346-1815

Mortgage

Document Number	0000454180
Date	Dec 9, 2019
Instrument	454180

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2804 Cole Ave was $3,302 with a homeowner's exemption.

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		$263,046 (+2%) Land $65,784 Building $197,262
2025	$3,302.00 Homeowner's exemption	$257,888 Land $64,494 Building $193,394
2023	$3,149.00 (-0.1%) Homeowner's exemption	$247,873 Land $61,989 Building $185,884
2022	$3,152.00

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

Flood

FEMA maps place 2804 Cole Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

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
Nearby Flood Claims	2 (1981–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2014 · rainfall accumulation

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 2804 Cole Ave is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 50% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 232 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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