38855 Via de Oro, Temecula, CA 92592 Property Records

Riverside County property record for 38855 Via de Oro, Temecula, CA 92592

Property Summary

Property Type	Single Family Home
Details	4,344 sqft · built 2020
Lot Size	4.6 acres (200,376 sqft)
Owner	2 Company Names on File
Last Sale	$250,000 (Jul 2018)
Tax Bill	$14,325 (2025)
Deeds & Mortgages	Aug 2019 Construction Loan Dec 2020 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`915-230-048`

Property Details

APN / Parcel Number

Primary APN	`915-230-048`

Interior

Stories	1 Story
Building Area	4,344 sqft Living Area
Gross Area	9,626 sqft
1st Floor Area	4,344 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Lot Area	200,376 sqft
Garage Type	Attached
Garage Area	1,699 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	38855 VIA DE ORO
City	TEMECULA
State	CA
Zip	92592-8885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA5
Legal Description	4.60 ACRES NET IN PAR 1 PM 064/018 PM 12749
Legal Subdivision	PARCEL MAP 12749
Legal Lot Number	1
Jurisdiction	RIVERSIDE CA
Township / Civil Division	MURRIETA
Census Block Group	1
Census Block	1040
Census Tract	43293

Owner

Source: Riverside County records, as of July 29, 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	2 Company Names on File
Mailing Address	39357 CALLE BELLAGIO, TEMECULA, CA 92592-8578
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2019	Deed of Trust, Mortgage · Construction Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 12, 2018	Quit Claim Deed, Transfer OTHER
Jul 6, 2018	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2018 · Amount on File
Deed Sale	Jul 6, 2018 · Amount on File
Deed Document Number	2018274327
Last Transfer Date	Nov 16, 2018
Transfer Doc	0000482328
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	38855 VIA DE ORO, TEMECULA, CA 92592-8885
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000299465
Date	Aug 8, 2019
Instrument	2019-0299465

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	38855 VIA DE ORO, TEMECULA, CA 92592-8885
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38855 VIA DE ORO, TEMECULA, CA 92592-8885

Mortgage

Document Number	0000614880
Date	Dec 4, 2020
Instrument	2020-0614880

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Dec 12, 2018
Property Address	38855 VIA DE ORO, TEMECULA, CA 92592-8885
Document Number	0000482328
Instrument Date	Nov 16, 2018
Instrument	482328
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	39357 CALLE BELLAGIO TEMECULA CA 925928578, TEMECULA, CA 92592-8578

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 6, 2018
Property Address	38855 VIA DE ORO, TEMECULA, CA 92592-8885
Document Number	0000274327
Instrument Date	Jun 28, 2018
Instrument	274327
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$275.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38855 VIA DE ORO TEMECULA CA 92592, TEMECULA, CA 92592

Tax Assessment & Valuation

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		$1,338,933 (+2%) Land $284,453 Building $1,054,480
2025	$14,325.00 (+2.52%)	$1,312,680 (+4.04%) Land $278,876 Building $1,033,804
2023	$13,973.00 (+1.99%)	$1,261,709 Land $268,048 Building $993,661
2022	$13,700.00
2021			$1,168,200

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

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	RANCHO CALIFORNIA WATER DISTRICT serves 146,147 people · EPA ID CA3310038
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	Under 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Accel Wireless Fixed Wireless	100 / 25
Southern California Telephone Fixed Wireless	75 / 15
Frontier DSL	70 / 3

May also be available: AT&T, Pacific Lightwave, Verizon.

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