40476 Charleston St, Temecula, CA 92591 Property Records

Riverside County property record for 40476 Charleston St, Temecula, CA 92591

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 3,106 sqft · built 2005
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (May 2015)
Tax Bill	$7,828 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`916-441-022`

Property Details

APN / Parcel Number

Primary APN	`916-441-022`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,106 sqft Living Area
Gross Area	3,731 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Construction Type	Wood
Roof Material	Tile
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	40476 CHARLESTON ST
City	TEMECULA
State	CA
Zip	92591-7542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.14 ACRES M/L IN LOT 28 MB 355/027 TR 30667-3
Legal Subdivision	TRACT NO 30667 3
Legal Tract	30667-3
Legal Lot Number	28
Jurisdiction	RIVERSIDE CA
Township / Civil Division	MURRIETA
Census Block Group	2
Census Block	2017
Census Tract	49600

Owner

Source: Riverside County records, as of August 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	40476 CHARLESTON ST, TEMECULA, CA 92591-7542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CREDIT UNION
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Dec 9, 2019	Deed of Trust, Mortgage · Conventional with PMI LADERA LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2015 · Amount on Record
Deed Sale	May 15, 2015 · Amount on Record
Prior Sale	Feb 23, 2011 · Amount on Record
Deed Document Number	2015205167
Prior Transfer Date	Oct 23, 2013
Prior Transfer Doc	0000516744
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 23, 2026
Property Address	40476 CHARLESTON ST, TEMECULA, CA 92591-7542
Document Number	0000229835
Instrument Date	Jul 14, 2026
Instrument	2026229835
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	40476 CHARLESTON ST, TEMECULA, CA 92591-7542

Mortgage

Document Number	0000229835,
Date	Jul 23, 2026
Instrument	2026229835

Lender

Name	CALIFORNIA COAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 28, 2051

Interest

Rate	6.47%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	40476 CHARLESTON ST, TEMECULA, CA 92591-7542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40476 CHARLESTON ST, TEMECULA, CA 92591-7542

Mortgage

Document Number	0000433487
Date	Sep 15, 2020
Instrument	2020-0433487

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	40476 CHARLESTON ST, TEMECULA, CA 92591-7542
Document Number	0000537234
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40476 CHARLESTON ST TEMECULA CA 925917542, TEMECULA, CA 92591-7542

Mortgage

Document Number	0000537234
Date	Dec 26, 2019
Instrument	537234

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$577,671 (+2%) Land $122,584 Building $455,087
2025	$7,828.00 (+1.44%) Homeowner's exemption	$566,345 (+4.04%) Land $120,181 Building $446,164
2023	$7,717.00 (+1.65%) Homeowner's exemption	$544,355 Land $115,515 Building $428,840
2022	$7,592.00
2021			$656,730

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	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 400 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
Accel Wireless Fixed Wireless	100 / 25
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, San Diego Broadband, T-Mobile, Verizon.

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