45895 Canyon Rd, Banning, CA 92220 Property Records

Riverside County property record for 45895 Canyon Rd, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 816 sqft · built 2008
Lot Size	0.179 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,000 (Aug 2019)
Tax Bill	$2,879 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`545-107-032`

Property Details

APN / Parcel Number

Primary APN	`545-107-032`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2009
Construction Type	Wood
Roof Material	Tile
Lot Area	7,840 sqft (0.179 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	545107032
Street Address	45895 CANYON RD
City	BANNING
State	CA
Zip	92220-9738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	W2
Legal Description	.18 ACRES M/L IN POR SE 1/4 OF SEC 3 T4S R1E FOR TOTAL DESCRIPTION SEE ASSESSORS MAPS
Legal Range	01E
Legal Township	04S
Legal Section	03
Legal Quarter	SE
Legal Subdivision	RANCHO ENCINO MOUNTAIN CLUB
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	1
Census Block	1045
Census Tract	43813

Owner

Source: Riverside County records, as of October 13, 2025

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	45895 CANYON RD, BANNING, CA 92220-9738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional with PMI VALLEY VIEW HM LOANS
Aug 30, 2019	Grant Deed, Transfer · Conventional with PMI VALLEY VIEW HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	Jan 7, 2004 · Amount on Record
Deed Document Number	2019-0338982
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	45895 CANYON RD, BANNING, CA 92220-9738
Document Number	0000295996
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45895 CANYON RD BANNING CA 922209738, BANNING, CA 92220-9738

Mortgage

Document Number	0000295996
Date	Jul 7, 2020
Instrument	295996

Lender

Name	VALLEY VIEW HM LOANS
Address	GARDEN GROVE, CA 92841

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Aug 30, 2019
Property Address	45895 CANYON RD, BANNING, CA 92220-9738
Document Number	0000338982
Instrument Date	Jul 11, 2019
Instrument	338982
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.30
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	45895 CANYON RD BANNING CA 922209738, BANNING, CA 92220-9738

Mortgage

Document Number	338983
Date	Aug 30, 2019
Instrument	338983

Lender

Name	VALLEY VIEW HM LOANS
Address	GARDEN GROVE, CA 92841

Agreement

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

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Unified School District	Banning Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,879.00 (+2.71%)	$178,260 (+4.04%) Land $32,807 Building $145,453
2023	$2,803.00 (+1.85%)	$171,339 Land $31,534 Building $139,805
2022	$2,752.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 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	Extreme above 99.6% of the US · above 97.4% of California
Wildfire Likelihood	6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Southern California Telephone Fixed Wireless	75 / 15

May also be available: Frontier.

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