San Bernardino County property record for 38103 Dividing Line St, Yermo, CA 92398
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 680 sqft · built 1952 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $191,000 (Feb 2023) |
| Tax Bill | $2,233 (2025) |
| Deeds & Mortgages | Aug 2021 Reverse Mortgage Feb 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0537-173-34-0000 |
| Primary APN | 0537-173-34-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 680 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Family Room | Family Room |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,500 sqft (0.218 acres) |
| Lot Dimensions | 95 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio/Porch |
| Porch Area | 184 sqft |
| Patio Area | 184 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 38103 DIVIDING LINE ST |
|---|---|
| City | YERMO |
| State | CA |
| Zip | 92398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS10M |
| Legal Description | TRACT NO 1867 LOTS 25 AND 26 BLK 4 (PER COMBINATION REQUEST 5-8-85) |
| Legal Subdivision | TRACT NO. 1867 FILED IN |
| Legal Tract | 1867 |
| Legal Block | 4 |
| Legal Lot Number | 25,26 |
| Jurisdiction | SAN BERNARDINO CA |
| Township / Civil Division | BARSTOW |
| Census Block Group | 1 |
| Census Block | 1321 |
| Census Tract | 11602 |
Source: San Bernardino County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Aug 5, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Feb 23, 2023 | Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Feb 23, 2023 | Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 24, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2023 · Amount on Record |
| Deed Sale | Feb 23, 2023 · Amount on Record |
| Deed Document Number | 202342815 |
| Prior Transfer Date | Jan 13, 2023 |
| Prior Transfer Doc | 0000042814 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Document Number | 0000353303 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 2021-0353303 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.03% |
| Change Frequency | Monthly |
| Max Rate At Change | 8.03% |
| Index | 1-Year CMT |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Feb 23, 2023 |
| Property Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Document Number | 0000042815 |
| Map Reference | MB 27 PG 72 |
| Instrument Date | Jan 20, 2023 |
| Instrument | 2023-0042815 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Document Number | 0000042816 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 2023-0042816 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Feb 23, 2023 |
| Property Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Document Number | 0000042814 |
| Map Reference | MB 27 PG 72 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 2023-0042814 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38183 DIVIDING LANE ST, YERMO, CA 92398 |
| Document Number | 0000042817 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 2023-0042817 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 362 Months |
| Due | Apr 22, 2053 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Jun 24, 2022 |
| Property Address | 38103 DIVIDING LINE ST, YERMO, CA 92398 |
| Document Number | 0000225069 |
| Map Reference | MB 27 PG 72 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 2022-0225069 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: San Bernardino County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Bernardino County |
| Unified School District | Silver Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $202,690 (+2%) Land $40,538 Building $162,152 | |
| 2025 | $2,233.00 (+46.91%) Homeowner's exemption | $198,716 (+49.86%) Land $39,743 Building $158,973 |
| 2023 | $1,520.00 (+572.57%) Homeowner's exemption | $132,600 Land $25,500 Building $107,100 |
| 2022 | $226.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective October 12, 2026
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LIBERTY -YERMO private · serves 671 people · EPA ID CA3610118 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 100 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 |
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