28197 Zermatt Dr, Lake Arrowhead, CA 92352 Property Records

San Bernardino County property record for 28197 Zermatt Dr, Lake Arrowhead, CA 92352

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 4,012 sqft · built 1979
Lot Size	0.23 acres (10,000 sqft)
Owner	Company Name on Record
Tax Bill	$6,030 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2017 Mortgage
Flood Zone	Zone D (undetermined)
APN	`0329-443-09-0000`

Property Details

APN / Parcel Number

Primary APN	`0329-443-09-0000`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,012 sqft Living Area
Gross Area	4,584 sqft
1st Floor Area	2,034 sqft
2nd Floor Area	1,978 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Chalet/Alpine
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	778 sqft
Patio Area	778 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28197 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 163
Legal Subdivision	TRACT 7776
Legal Tract	7776
Legal Block	2
Legal Lot Number	163
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	LAKE ARROWHEAD
Census Block Group	2
Census Block	2001
Census Tract	10905

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	28197 ZERMATT DR, LAKE ARROWHEAD, CA 92352
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 27, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 21, 2007
Transfer Doc	0000269629
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	28197 ZERMATT DR, LAKE ARROWHEAD, CA 92352
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28197 ZERMATT DR, LAKE ARROWHEAD, CA 92352

Mortgage

Document Number	0000022462
Date	Jan 19, 2022
Instrument	2022-0022462

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	Other
Max Rate	7.12%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	28197 ZERMATT DR, LAKE ARROWHEAD, CA 92352
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHRONOS TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000502633
Date	Nov 27, 2017
Instrument	2017-0502633

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Unified School District	Rim of the World Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$536,228 (+2%) Land $77,720 Building $458,508
2025	$6,030.00 (+6.69%) Homeowner's exemption	$525,714 (+4.04%) Land $76,196 Building $449,518
2023	$5,652.00 (+2.1%) Homeowner's exemption	$505,300 Land $73,237 Building $432,063
2022	$5,536.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 75% of the US · above 50% of California
Wildfire Likelihood	0.4% 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	LAKE ARROWHEAD CSD serves 7,038 people · EPA ID CA3610005
Water Source	Surface water
Last State Inspection	May 2023
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 294 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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