32440 Cape Cod Dr, Lake Elsinore, CA 92530 Property Records

Riverside County property record for 32440 Cape Cod Dr, Lake Elsinore, CA 92530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,908 sqft · built 1990
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,500 (Jan 2020)
Tax Bill	$4,400 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`370-412-003`

Property Details

APN / Parcel Number

Primary APN	`370-412-003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,908 sqft Living Area
Gross Area	2,591 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Attached
Garage Area	683 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	370412003
Street Address	32440 CAPE COD DR
City	LAKE ELSINORE
State	CA
Zip	92530-0428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 24 MB 184/013 TR 19344-2
Legal Tract	19344-2
Legal Lot Number	24
Jurisdiction	RIVERSIDE CA
Township / Civil Division	ELSINORE VALLEY
Census Block Group	3
Census Block	3001
Census Tract	46403

Owner

Source: Riverside County records, as of October 13, 2025

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	32440 CAPE COD DR, LAKE ELSINORE, CA 92530-0428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jan 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWN MTG INC
Jun 8, 2017	Grant Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2020 · Amount on Record
Deed Sale	Jan 24, 2020 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	2020-0038903
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	32440 CAPE COD DR, LAKE ELSINORE, CA 92530-0428
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO TORRANC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32440 CAPE COD DR, LAKE ELSINORE, CA 92530-0428

Mortgage

Document Number	0000611386
Date	Oct 15, 2021
Instrument	2021-0611386

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	32440 CAPE COD DR, LAKE ELSINORE, CA 92530-0428
Instrument Date	Jan 11, 2020
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	LANDWOOD TITLE COMPANY, LANDWOOD TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	32440 CAPE COD DR LAKE ELSINORE CA 925300428, LAKE ELSINORE, CA 92530-0428

Mortgage

Document Number	38904
Date	Jan 24, 2020
Instrument	38904

Lender

Name	OWN MTG INC
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jun 8, 2017
Property Address	32440 CAPE COD DR, LAKE ELSINORE, CA 92530-0428
Document Number	0000230367
Map Reference	MB 184 PG 13-17
Instrument Date	May 15, 2017
Instrument	2017-0230367
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	LANDWOOD TITLE

Transaction

Amount	Amount Recorded
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
Address	3140 VILLA RIDGE DR SE, KENTWOOD, MI 49512-1838
Investor	Possibly a Property Investor

Mortgage

Document Number	0000230368
Date	Jun 8, 2017
Instrument	2017-0230368

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,400.00 (+5.97%)	$406,941 (+4.04%) Land $76,553 Building $330,388
2023	$4,152.00 (+1.96%)	$391,140 Land $73,581 Building $317,559
2022	$4,072.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	May 1983 · rainfall accumulation

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	High above 75% of the US · above 51% 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	ELSINORE VALLEY MWD serves 169,455 people · EPA ID CA3310012
Water Source	Surface water
Last State Inspection	Apr 2024
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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Accel Wireless, GeoLinks.

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