San Bernardino County property record for 28148 Zermatt Dr, Lake Arrowhead, CA 92352
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,898 sqft · built 1984 |
| Lot Size | 0.268 acres (11,689 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Feb 2017) |
| Tax Bill | $7,270 (2025) |
| Deeds & Mortgages | Oct 2018 Line of Credit Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone D (undetermined) |
| APN | 0329-442-06-0000 |
| Primary APN | 0329-442-06-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,898 sqft Living Area |
| Gross Area | 4,594 sqft |
| 1st Floor Area | 1,902 sqft |
| 2nd Floor Area | 996 sqft |
| Basement Area | 1,020 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Chalet/Alpine |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,689 sqft (0.268 acres) |
| Terrain | Below Road/Slope |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio/Porch |
| Porch Area | 689 sqft |
| Patio Area | 689 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 28148 ZERMATT DR |
|---|---|
| City | LAKE ARROWHEAD |
| State | CA |
| Zip | 92352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LARS14M |
| Legal Description | TRACT NO 7776 ARROWHEAD WOODS NO 112 LOT 139 |
| Legal Subdivision | 7776 ARROWHEAD WOODS 112 |
| Legal Tract | 7776 |
| Legal Block | 3 |
| Legal Lot Number | 139 |
| Jurisdiction | SAN BERNARDINO CA |
| Township / Civil Division | LAKE ARROWHEAD |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10905 |
Source: San Bernardino County records · APN 0329-442-06-0000
Assessment roll updated July 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 23, 2018 | Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN EXPRESS LENDING |
| Jun 28, 2022 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jul 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN EXPRESS LNDG |
| Feb 15, 2017 | Grant Deed, Transfer · ARM MUFG UNION BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 15, 2017 · Amount on Record |
| Deed Sale | Feb 15, 2017 · Amount on Record |
| Prior Sale | Feb 05, 2016 · Amount on Record |
| Deed Document Number | 201769845 |
| Prior Transfer Date | Dec 29, 2015 |
| Prior Transfer Doc | 0000048744 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 28148 ZERMETT DR, LAKE ARROWHEAD, CA 92352 |
| Document Number | 0000386908 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 2018-0386908 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Document Number | 0000088462 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021-0088462 |
| Name | WESTERN EXPRESS LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LAKE FOREST, CA 92630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1170, LAKE ARROWHEAD, CA 92352-1170 |
| Document Number | 0000228635 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 2022-0228635 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Document Number | 0000262923 |
| Instrument Date | Jul 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2020 |
| Title Company | TITLE CONNECT LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 28148 ZERMATT DR LAKE ARROWHEAD CA 92352, LAKE ARROWHEAD, CA 92352 |
| Document Number | 0000262923 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 262923 |
| Name | WESTERN EXPRESS LNDG |
|---|---|
| Address | LAKE FOREST, CA 92630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Feb 15, 2017 |
| Property Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Document Number | 0000069845 |
| Map Reference | MB102 PG51-59 |
| Instrument Date | Dec 23, 2016 |
| Instrument | 2017-0069845 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 28148 ZERMATT DR, LAKE ARROWHEAD, CA 92352 |
| Document Number | 0000069846 |
|---|---|
| Date | Feb 15, 2017 |
| Instrument | 2017-0069846 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Mar 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
Source: San Bernardino County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Bernardino County |
| Unified School District | Rim of the World Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $645,168 (+2%) Land $129,033 Building $516,135 | |
| 2025 | $7,270.00 (+6.68%) | $632,518 (+4.04%) Land $126,503 Building $506,015 |
| 2023 | $6,815.00 (+2.08%) | $607,957 Land $121,591 Building $486,366 |
| 2022 | $6,676.00 |
Source: FEMA National Flood Hazard Layer as of October 12, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | High above 76% of the US · above 53% of California |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 294 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE ARROWHEAD CSD serves 7,038 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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