3609 Cumbre Ct, Bakersfield, CA 93311 Property Records

Kern County property record for 3609 Cumbre Ct, Bakersfield, CA 93311

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,494 sqft · built 1988
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Aug 2017)
Tax Bill	$3,798 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`394-052-67-00-6`

Property Details

APN / Parcel Number

Primary APN	`394-052-67-00-6`
Alternative APNs	`394-052-67-4` `3940526700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,494 sqft Living Area
1st Floor Area	1,494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Construction Type	Wood
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	98 sqft
Patio Area	31 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Old Parcel Number	3940526700
Street Address	3609 CUMBRE CT
City	BAKERSFIELD
State	CA
Zip	93311-2769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 4774, BLOCK, LOT 21
Legal Subdivision	4774 BAKERSFIELD
Legal Tract	4774
Legal Lot Number	21
Jurisdiction	KERN CA
Township / Civil Division	BAKERSFIELD
Census Block Group	4
Census Block	4004
Census Tract	2820

Owner

Source: Kern County records, as of October 20, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 23, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 11, 2017	Grant Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2017 · Amount on Record
Deed Sale	Aug 11, 2017 · Amount on Record
Prior Sale	Jun 24, 2013 · Amount on Record
Deed Document Number	0217105924
Record Updated	Jun 7, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769

Mortgage

Document Number	0000005052
Date	Jan 11, 2023
Instrument	223005052

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769
Transaction Type	Mortgage
Record Updated	Nov 7, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000172226
Date	Dec 23, 2019
Instrument	219172226

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Nov 1, 2047

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769

Mortgage

Document Number	0000072222
Date	Apr 19, 2021
Instrument	221072222

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Nov 1, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Aug 11, 2017
Property Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769
Document Number	0000105924
Map Reference	MB35 PG158
Instrument Date	May 16, 2017
Instrument	0217105924
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	CHICAGO TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3609 CUMBRE CT, BAKERSFIELD, CA 93311-2769

Mortgage

Document Number	0000105925
Date	Aug 11, 2017
Instrument	0217105925

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,798.00 (+3.46%)	$250,318 (+4.04%) Land $56,889 Building $193,429
2023	$3,671.00 (+4.08%)	$240,600 Land $54,681 Building $185,919
2022	$3,527.00

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	CITY OF BAKERSFIELD serves 171,108 people · EPA ID CA1510031
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
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 724 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Verizon.

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