3431 Bank St, Bakersfield, CA 93309 Property Records

Kern County property record for 3431 Bank St, Bakersfield, CA 93309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,068 sqft · built 1950
Lot Size	0.13 acres (5,674 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (May 2019)
Tax Bill	$3,027 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-092-10-00-6`

Property Details

APN / Parcel Number

Primary APN	`020-092-10-00-6`
Alternative APNs	`020-092-10-2` `0200921000` `02009210`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,068 sqft Living Area
Gross Area	1,437 sqft
1st Floor Area	1,068 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	5,674 sqft (0.13 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	10 sqft
Patio Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Account Number	020092102
Street Address	3431 BANK ST
City	BAKERSFIELD
State	CA
Zip	93309-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 1530 , BLOCK , LOT 131
Legal Subdivision	TRACT 3 530
Legal Tract	1530
Legal Block	1
Legal Lot Number	131
Jurisdiction	KERN CA
Township / Civil Division	BAKERSFIELD
Census Block Group	1
Census Block	1006
Census Tract	1801

Owner

Source: Kern County records, as of August 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3431 BANK ST, BAKERSFIELD, CA 93309-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
May 6, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Aug 2, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2019 · Amount on Record
Deed Sale	May 6, 2019 · Amount on Record
Prior Sale	Aug 2, 2018 · Amount on Record
Deed Document Number	201951364
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	3431 BANK ST, BAKERSFIELD, CA 93309-2105
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	PRIORITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 BANK ST, BAKERSFIELD, CA 93309-2105

Mortgage

Document Number	0000087262
Date	Jun 1, 2022
Instrument	222087262

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	May 6, 2019
Property Address	3431 BANK ST, BAKERSFIELD, CA 93309-2105
Document Number	0000051364
Map Reference	MB 7 PG 77
Instrument Date	Mar 20, 2019
Instrument	219051364
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2021
Title Company	CALATLANTIC TITLE

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3431 BANK ST, BAKERSFIELD, CA 93309-2105

Mortgage

Document Number	0000051365
Date	May 6, 2019
Instrument	219051365

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Aug 2, 2018
Property Address	3431 BANK ST, BAKERSFIELD, CA 93309-2105
Document Number	0000099498
Instrument Date	Jul 26, 2018
Instrument	99498
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$126.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2404 BOYD ST BAKERSFIELD CA 933047164, BAKERSFIELD, CA 93304-7164

Tax Assessment & Valuation

Source: Kern County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Kern County
Municipality	Bakersfield City
Elementary School District	Bakersfield City School District (KG - 08)
Secondary School District	Kern High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$201,390 (+2%) Land $56,889 Building $144,501
2025	$3,027.00 (+3.63%)	$197,442 (+4.04%) Land $55,774 Building $141,668
2023	$2,921.00 (+2.35%)	$189,777 Land $53,609 Building $136,168
2022	$2,854.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 30, 2025

FEMA Flood Zone	Zone X minimal risk
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	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	CWS - BAKERSFIELD private · serves 268,129 people · EPA ID CA1510003
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Applied Technology Group Fixed Wireless	500 / 500
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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