28817 Terrace Dr, Highland, CA 92346 Property Records

San Bernardino County property record for 28817 Terrace Dr, Highland, CA 92346

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 3,871 sqft · built 1999
Lot Size	0.496 acres (21,600 sqft)
Owner	2 Individual Names on File
Last Sale	$806,500 (Dec 2025)
Tax Bill	$9,306 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2020 Transfer + 3 more
Flood Zone	Zone D (undetermined)
APN	`1200-171-22-0000`

Property Details

APN / Parcel Number

Primary APN	`1200-171-22-0000`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,871 sqft Living Area
Gross Area	4,619 sqft
1st Floor Area	2,088 sqft
2nd Floor Area	1,783 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	21,600 sqft (0.496 acres)
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	690 sqft
Patio Area	690 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28817 TERRACE DR
City	HIGHLAND
State	CA
Zip	92346-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 10099 LOT 25
Legal Subdivision	TRACT NO 10099
Legal Tract	10099
Legal Block	3
Legal Lot Number	25
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	3
Census Block	3006
Census Tract	7905

Owner

28817 Terrace Dr is owned and occupied by two individuals who bought it in December 2025.

Source: San Bernardino County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 23, 2025	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 26, 2020	Quit Claim Deed, Transfer TITLE CONNECT LLC
May 26, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 5, 2017	Quit Claim Deed, Transfer NEXTITLE
May 5, 2017	Intrafamily Transfer, Transfer · ARM DIRECTORS FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on File
Deed Sale	Dec 23, 2025 · Amount on File
Prior Sale	May 12, 2000 · Amount on File
Deed Document Number	2025313785
Prior Transfer Date	May 15, 2025
Prior Transfer Doc	0000118057
Record Updated	Oct 29, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 23, 2025
Property Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Document Number	0000313785
Map Reference	MB 220 PG 38&39
Instrument Date	Dec 10, 2025
Instrument	2025-0313785
Transaction Type	Transfer
Record Updated	Jan 12, 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 with Right of Survivorship
Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208

Mortgage

Document Number	0000313786
Date	Dec 23, 2025
Instrument	2025-0313786

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 26, 2020
Property Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Document Number	0000173398
Instrument Date	May 19, 2020
Instrument	173398
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	TITLE CONNECT LLC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	28817 TERRACE DR HIGHLAND CA 923465208, HIGHLAND, CA 92346-5208

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 26, 2020
Property Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Document Number	0000173396
Map Reference	MB 220 PG 38&39
Instrument Date	May 19, 2020
Instrument	2020-0173396
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	TITLE CONNECT INC

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
Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Investor	Possibly a Property Investor

Mortgage

Document Number	0000173397
Date	May 26, 2020
Instrument	2020-0173397

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 5, 2017
Property Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Document Number	0000187614
Instrument Date	May 1, 2017
Instrument	187614
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	NEXTITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	28817 TERRACE DR HIGHLAND CA 923465208, HIGHLAND, CA 92346-5208

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 5, 2017
Property Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Document Number	0000187612
Map Reference	MB220 PG38&39
Instrument Date	May 1, 2017
Instrument	2017-0187612
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	NEXTITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28817 TERRACE DR, HIGHLAND, CA 92346-5208
Investor	Possibly a Property Investor

Mortgage

Document Number	0000187613
Date	May 5, 2017
Instrument	2017-0187613

Lender

Name	DIRECTORS FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 28817 Terrace Dr was $9,306.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$606,639 (-15.3%) Land $181,992 Building $424,647
2025	$9,306.00	$716,183 Land $179,045 Building $537,138
2023	$8,694.00 (+1.49%)	$688,372 Land $172,092 Building $516,280
2022	$8,566.00

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

Flood

FEMA maps place 28817 Terrace Dr in Zone D, where flood risk has not been studied.

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

Wildfire risk around 28817 Terrace Dr is high, ranking above 85% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 85% of the US · above 64% of California
Wildfire Likelihood	0.9% 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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