445 Karen Ave, Kerman, CA 93630 Property Records

Fresno County property record for 445 Karen Ave, Kerman, CA 93630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,040 sqft · built 2019
Lot Size	0.243 acres (10,602 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Aug 2019)
Tax Bill	$4,708 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-731-13S`

Property Details

APN / Parcel Number

Primary APN	`023-731-13S`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,040 sqft Living Area
1st Floor Area	1,557 sqft
2nd Floor Area	1,483 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Lot Area	10,602 sqft (0.243 acres)
Lot Dimensions	114 ft deep x 93 ft wide
Garage Area	853 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration

Location & Zoning

Street Address	445 KAREN AVE
City	KERMAN
State	CA
Zip	93630-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SDR50
Legal Description	SUR RT LOT 13 OF TRACT NO 5832 BK 87 PGS 58-63
Legal Subdivision	FINAL MAP OF TRACT NO 5832
Legal Tract	5832
Jurisdiction	FRESNO CA
Township / Civil Division	KERMAN
Census Block Group	1
Census Block	1033
Census Tract	4006

Owner

445 Karen Ave is owned and occupied by two individuals who acquired it in December 2020.

Source: Fresno County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	445 KAREN AVE, KERMAN, CA 93630-2011
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 28, 2020	Correction Deed · Conventional Mortgage QUICKEN LOANS LLC
Aug 30, 2019	Grant Deed, Transfer · Conventional with PMI INSPIRE HM LNS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Deed Document Number	201998535
Last Transfer Date	Dec 22, 2020
Transfer Doc	0000187921
Record Updated	Sep 20, 2026

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	FRESNO CA
Recording Date	Dec 28, 2020
Property Address	445 KAREN AVE, KERMAN, CA 93630-2011
Document Number	0000187921
Map Reference	MB 87 PG 58-63
Instrument Date	Dec 22, 2020
Instrument	2020-0187921
Record Updated	Aug 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	445 KAREN AVE, KERMAN, CA 93630-2011

Mortgage

Document Number	0000187922
Date	Dec 28, 2020
Instrument	2020-0187922

Lender

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

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRESNO CA
Recording Date	Aug 30, 2019
Property Address	445 KAREN AVE, KERMAN, CA 93630-2011
Document Number	0000098535
Instrument Date	May 30, 2019
Instrument	98535
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
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	445 KAREN AVE KERMAN CA 936302011, KERMAN, CA 93630-2011

Mortgage

Document Number	98536
Date	Aug 30, 2019
Instrument	98536

Lender

Name	INSPIRE HM LNS INC
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 445 Karen Ave was $4,708.

Source: Fresno County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Fresno County
Municipality	Kerman City
Unified School District	Kerman Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$401,582 (+2%) Land $78,084 Building $323,498
2025	$4,708.00	$393,708 Land $76,553 Building $317,155
2023	$4,500.00 (+0.99%)	$378,422 Land $73,581 Building $304,841
2022	$4,456.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 445 Karen Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 29, 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.

Wildfire

Wildfire risk around 445 Karen Ave 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 94% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 559 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Kerman Telephone Fiber · DSL	1,000 / 1,000
unWired Broadband Fixed Wireless	1,000 / 1,000
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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