3228 Vista Ter, Riverside, CA 92503 Property Records

Riverside County property record for 3228 Vista Ter, Riverside, CA 92503

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.75 ba · 4,268 sqft · built 2008
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$970,000 (Sep 2025)
Tax Bill	$10,778 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`138-440-048`

Property Details

APN / Parcel Number

Primary APN	`138-440-048`

Interior

Bedrooms	5 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,268 sqft Living Area
Gross Area	4,952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3228 VISTA TER
City	RIVERSIDE
State	CA
Zip	92503-5236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.18 ACRES M/L IN LOT 62 MB 416/051 TR 32772-1
Legal Subdivision	TRACE 32772 1
Legal Tract	32772-1
Legal Lot Number	62
Jurisdiction	RIVERSIDE CA
Township / Civil Division	RIVERSIDE
Census Block Group	2
Census Block	2008
Census Tract	41403

Owner

3228 Vista Ter is owned and occupied by an individual who bought it in September 2025.

Source: Riverside County records, as of July 29, 2026

Owner of Record	Individual Name on File
Mailing Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Mar 20, 2025	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL ALLIANCE LLC
Sep 30, 2025	Grant Deed, Transfer · Conventional Mortgage BMO BANK NA
Mar 1, 2017	Deed of Trust, Mortgage · Construction Mortgage STEARNS BANK NA
Apr 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC
May 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Apr 23, 2014 · Amount on File
Deed Document Number	2025299868
Prior Transfer Date	Sep 16, 2015
Prior Transfer Doc	0000439015
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236

Mortgage

Document Number	0000298720
Date	Jul 1, 2022
Instrument	2022-0298720

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63179

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 VISTA TERRACE, RIVERSIDE, CA 92503-5236

Mortgage

Document Number	0000083652
Date	Mar 20, 2025
Instrument	2025-0083652

Lender

Name	CAPITAL ALLIANCE LLC
Type	Non-Lending Institution
Address	RIVERSIDE, CA 92503

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Sep 30, 2025
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Document Number	0000299868
Map Reference	MB 416 PG 51-56
Instrument Date	Aug 26, 2025
Instrument	2025-0299868
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	FIRST AMERICAN TITLE COMPANY SUBDIV, FIRST AMER TITLE CO RES DIV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,134.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 VISTA TERRACE, RIVERSIDE, CA 92503-5236

Mortgage

Document Number	0000299869
Date	Sep 30, 2025
Instrument	2025-0299869

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	SOFR Average 30-Day
Max Rate	10.1%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084378
Date	Mar 1, 2017
Instrument	2017-0084378

Lender

Name	STEARNS BANK NA
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	72 Months
Due	Mar 17, 2023

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169792
Date	Apr 28, 2017
Instrument	2017-0169792

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Document Number	0000196443
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3228 VISTA TER RIVERSIDE CA 925035236, RIVERSIDE, CA 92503-5236

Mortgage

Document Number	0000196443
Date	May 7, 2020
Instrument	196443

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 6, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	3228 VISTA TER, RIVERSIDE, CA 92503-5236
Document Number	0000409623
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3228 VISTA TER RIVERSIDE CA 925035236, RIVERSIDE, CA 92503-5236

Mortgage

Document Number	0000409623
Date	Oct 10, 2019
Instrument	409623

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3228 Vista Ter was $10,778.

Source: Riverside County assessment roll, as of July 29, 2026

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Municipality	Riverside City
Unified School District	Alvord Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$970,000 (+40.91%) Land $291,001 Building $678,999
2025	$10,778.00	$688,362 Land $98,214 Building $590,148
2023	$10,381.00 (+4.63%)	$661,634 Land $94,401 Building $567,233
2022	$9,922.00
2021			$851,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3228 Vista Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective October 14, 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	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

The area around 3228 Vista Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF RIVERSIDE serves 302,776 people · EPA ID CA3310031
Water Source	Groundwater influenced by surface water
Lead	1 ppb (2023–2025) 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 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: GeoLinks, T-Mobile, Verizon.

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