446 E Bear Lake Dr, Mammoth Lakes, CA 93546 Property Records

Mono County property record for 446 E Bear Lake Dr, Mammoth Lakes, CA 93546

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,137 sqft · built 2016
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Company Names on Record
Last Sale	$1,003,000 (Nov 2016)
Tax Bill	$13,668 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033-421-006-000`

Property Details

APN / Parcel Number

Primary APN	`033-421-006-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,137 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Wood
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	479 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	446 E BEAR LAKE DR
City	MAMMOTH LAKES
State	CA
Zip	93546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SUB: GRAY BEAR PHASE 2 PLAT BOOK: T11 PLAT PAGE: 7 LOT: 6
Legal Subdivision	GRAY BEAR PHASE 2
Legal Block	5
Legal Lot Number	6
Jurisdiction	MONO CA
Township / Civil Division	MAMMOTH LAKES
Census Block Group	5
Census Block	5026
Census Tract	202

Owner

Source: Mono County records, as of July 14, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	549 DUNNEGAN DR, LAGUNA BEACH, CA 92651-1432
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2019	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2016 · Amount on Record
Deed Sale	Nov 17, 2016 · Amount on Record
Deed Document Number	20164450
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONO CA
Property Address	446 E BEAR LAKE DR, MAMMOTH LAKES, CA 93546
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000055
Date	Jan 8, 2019
Instrument	2019000055

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.8%
Index	1-Year CMT
Max Rate	8.8%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONO CA
Property Address	446 E BEAR LAKE DR, MAMMOTH LAKES, CA 93546
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004674
Date	Nov 26, 2019
Instrument	2019004674

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.75%

Tax Assessment & Valuation

Source: Mono County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Mono County
Municipality	Mammoth Lakes Town
Unified School District	Mammoth Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,192,411 (-0.03%) Land $411,020 Building $781,391
2025	$13,668.00 (+5.63%)	$1,192,825 (+4.68%) Land $402,961 Building $789,864
2023	$12,940.00	$1,139,503 Land $387,314 Building $752,189

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2022 · 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	4 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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	MAMMOTH CWD serves 8,234 people · EPA ID CA2610001
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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