446 Moreno Ln, Sugarloaf, CA 92386 Property Records

San Bernardino County property record for 446 Moreno Ln, Sugarloaf, CA 92386

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,830 sqft · built 1964
Lot Size	0.164 acres (7,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Apr 2026)
Tax Bill	$4,902 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`2350-601-20-0000`

Property Details

APN / Parcel Number

Primary APN	`2350-601-20-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,830 sqft Living Area
Gross Area	2,598 sqft
1st Floor Area	1,510 sqft
2nd Floor Area	320 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Chalet/Alpine
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,125 sqft (0.164 acres)
Lot Dimensions	95 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio/Porch
Porch Area	384 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	446 MORENO LN
City	SUGARLOAF
State	CA
Zip	92386
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BVRS
Legal Description	TR NO 1754 BIG BEAR PINES NO 1 LOTS 39 40 AND 41 BLK 18 (OD 3-9-89 #89-085324) N/MERGER 11-6-89 #89-419550)
Legal Subdivision	BIG BEAR PINES UNIT #1
Legal Tract	1754
Legal Block	18
Legal Lot Number	39,40
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	BIG BEAR
Census Block Group	1
Census Block	1005
Census Tract	11408

Owner

Source: San Bernardino 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 Individual Names on Record
Mailing Address	535 WALNUT AVE, GRAND JUNCTION, CO 81501-7437
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 1, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 26, 2019	Grant Deed, Transfer · ARM BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	202683957
Prior Transfer Date	Sep 12, 2020
Prior Transfer Doc	0000370327
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	446 MORENO LN, SUGARLOAF, CA 92386
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5663, SUGARLOAF, CA 92386-5663

Mortgage

Document Number	0000373134
Date	Nov 14, 2022
Instrument	2022-0373134

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 1, 2026
Property Address	446 MORENO LN, SUGARLOAF, CA 92386
Document Number	0000083957
Instrument Date	Feb 17, 2026
Instrument	202683957
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,217.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	535 WALNUT AVE, GRAND JUNCTION, CO 81501-7437
Investor	Possibly a Property Investor

Mortgage

Document Number	0000083958,
Date	Apr 1, 2026
Instrument	202683958

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 30, 2020
Property Address	446 MORENO LN, SUGARLOAF, CA 92386
Document Number	0000370327
Instrument Date	Sep 12, 2020
Instrument	370327
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	446 MORENO LN SUGARLOAF CA 92386, SUGARLOAF, CA 92386

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 26, 2019
Property Address	446 MORENO LN, SUGARLOAF, CA 92386
Document Number	0000295175
Map Reference	MB 25 PG 52&53
Instrument Date	Jul 28, 2019
Instrument	2019-0295175
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	6750 CAMINO DEL PRADO, CARLSBAD, CA 92011-3311

Mortgage

Document Number	0000295176
Date	Aug 26, 2019
Instrument	2019-0295176

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Unified School District	Bear Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$348,041 (+2%) Land $50,198 Building $297,843
2025	$4,902.00 (+1.85%) Homeowner's exemption	$341,217 (+4.04%) Land $49,214 Building $292,003
2023	$4,813.00 (+8.69%) Homeowner's exemption	$327,967 Land $47,303 Building $280,664
2022	$4,428.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 54% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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	BIG BEAR LAKE DWP - BIG BEAR SYSTEM serves 26,164 people · EPA ID CA3610044
Water Source	Groundwater
Also Mapped Here	BIG BEAR CITY CSD
Lead	Under 1 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	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 1,102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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