36448 Cognac St, Winchester, CA 92596 Property Records

Riverside County property record for 36448 Cognac St, Winchester, CA 92596

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,925 sqft · built 2000
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$603,000 (Jan 2025)
Tax Bill	$4,899 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`963-152-005`

Property Details

APN / Parcel Number

Primary APN	`963-152-005`
Alternative APN	`958353005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,925 sqft Living Area
Gross Area	2,676 sqft
1st Floor Area	1,925 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2001
Construction Type	Wood
Roof Material	Tile
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	36448 COGNAC ST
City	WINCHESTER
State	CA
Zip	92596-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 52 MB 280/078 TR 28093
Legal Subdivision	TRACT 28093
Legal Tract	28093
Legal Lot Number	52
Jurisdiction	RIVERSIDE CA
Township / Civil Division	MURRIETA
Census Block Group	2
Census Block	2013
Census Tract	43295

Owner

36448 Cognac St is owned and occupied by two individuals who bought it in January 2025.

Source: Riverside County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
May 15, 2026	Deed of Trust, Mortgage · FHA Mortgage EASY MORTGAGE
Sep 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
May 5, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 5, 2018	Grant Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2025 · Amount on File
Deed Sale	Jan 27, 2025 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Deed Document Number	202526452
Prior Transfer Date	Sep 14, 2021
Prior Transfer Doc	0000559521
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Recording Date	May 15, 2026
Property Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108
Document Number	0000149381
Instrument Date	May 11, 2026
Instrument	2026149381
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108

Mortgage

Document Number	0000149381,
Date	May 15, 2026
Instrument	2026149381

Lender

Name	EASY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RIVERSIDE CA
Recording Date	Sep 20, 2021
Property Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108
Document Number	0000559521
Map Reference	MB 280 PG 78-82
Instrument Date	Sep 14, 2021
Instrument	2021-0559521
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108

Mortgage

Document Number	0000559522
Date	Sep 20, 2021
Instrument	2021-0559522

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108

Mortgage

Document Number	0000280172
Date	May 5, 2021
Instrument	2021-0280172

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	May 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Apr 5, 2018
Property Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108
Document Number	0000130127
Map Reference	MB 280 PG 78-82
Instrument Date	Feb 1, 2018
Instrument	2018-0130127
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	36448 COGNAC ST, WINCHESTER, CA 92596-9108

Mortgage

Document Number	0000130128
Date	Apr 5, 2018
Instrument	2018-0130128

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 36448 Cognac St was $4,899 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Unified School District	Temecula Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$615,060 (+40.41%) Land $153,765 Building $461,295
2025	$4,899.00	$438,059 Land $113,781 Building $324,278
2023	$4,774.00 (+2.14%) Homeowner's exemption	$421,050 Land $109,363 Building $311,687
2022	$4,674.00
2021			$478,620

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

Flood

FEMA maps place 36448 Cognac St in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 36448 Cognac St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.03% 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	EASTERN MUNICIPAL WD serves 659,923 people · EPA ID CA3310009
Water Source	Purchased surface water from several systems
Lead	3 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 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Accel Wireless, GeoLinks, Verizon.

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