28892 River Oak Ln, Highland, CA 92346 Property Records

San Bernardino County property record for 28892 River Oak Ln, Highland, CA 92346

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,558 sqft · built 1987
Lot Size	0.237 acres (10,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,000 (Sep 2020)
Tax Bill	$7,185 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1201-261-26-0000`

Property Details

APN / Parcel Number

Primary APN	`1201-261-26-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,558 sqft Living Area
Gross Area	3,158 sqft
1st Floor Area	1,402 sqft
2nd Floor Area	1,156 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	10,300 sqft (0.237 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	376 sqft
Patio Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28892 RIVER OAK LN
City	HIGHLAND
State	CA
Zip	92346-5324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 10726 LOT 17 TRACT 10726 LOT 17 EX ST *** 9-28-95 #95-336886 ST ***
Legal Subdivision	TRACT 10726
Legal Tract	10726
Legal Block	1
Legal Lot Number	17
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1006
Census Tract	7903

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	2 Individual Names on Record
Mailing Address	28892 RIVER OAK LN, HIGHLAND, CA 92346-5324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 30, 2020	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 1, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Mar 31, 2016 · Amount on Record
Deed Document Number	2020319749
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	28892 RIVER OAK LN, HIGHLAND, CA 92346-5324
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28892 RIVER OAK LN, HIGHLAND, CA 92346-5324

Mortgage

Document Number	0000347219
Date	Oct 19, 2022
Instrument	2022-0347219

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	28892 RIVER OAK LN, HIGHLAND, CA 92346-5324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000147881
Date	Apr 30, 2020
Instrument	2020-0147881

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 1, 2020
Property Address	28892 RIVER OAK LN, HIGHLAND, CA 92346-5324
Document Number	0000319749
Map Reference	MB 205 PG 98-101
Instrument Date	Jul 9, 2020
Instrument	2020-0319749
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	28892 RIVER OAK LN, HIGHLAND, CA 92346-5324
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$539,897 (+2%) Land $161,970 Building $377,927
2025	$7,185.00 (+8.73%)	$529,311 (+4.04%) Land $158,794 Building $370,517
2023	$6,608.00 (+1.94%)	$508,756 Land $152,627 Building $356,129
2022	$6,482.00

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 · 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	3 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

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

May also be available: GeoLinks, Verizon.

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