45895 la Cruz Dr, Temecula, CA 92590 Property Records

Riverside County property record for 45895 la Cruz Dr, Temecula, CA 92590

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 3,290 sqft · built 2002
Lot Size	10 acres (437,778 sqft)
Owner	2 Individual Names on File
Last Sale	$1,126,000 (Feb 2017)
Tax Bill	$18,173 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`936-270-016`

Property Details

APN / Parcel Number

Primary APN	`936-270-016`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,290 sqft Living Area
Gross Area	3,998 sqft
1st Floor Area	3,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Construction Type	Wood
Roof Material	Tile
Lot Area	437,778 sqft
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	45895 LA CRUZ DR
City	TEMECULA
State	CA
Zip	92590-3938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA5
Legal Description	10.05 ACRES NET IN PAR 3 PM 021/080 PM 6507
Legal Subdivision	PARCEL MAP 6507
Legal Lot Number	3
Jurisdiction	RIVERSIDE CA
Township / Civil Division	MURRIETA
Census Block Group	1
Census Block	1014
Census Tract	51200

Owner

45895 la Cruz Dr is owned and occupied by two individuals who acquired it in May 2022.

Source: Riverside County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit ZIONS BANCORPORATION NA
May 27, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ZB NA
Feb 8, 2017	Intrafamily Transfer, Transfer WESTMINSTER TITLE CO INC
Feb 8, 2017	Warranty Deed, Transfer WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2017 · Amount on File
Deed Sale	Feb 8, 2017 · Amount on File
Prior Sale	Aug 31, 2005 · Amount on File
Deed Document Number	201755348
Last Transfer Date	May 23, 2022
Transfer Doc	0000246185
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Recording Date	Sep 1, 2026
Property Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938
Document Number	0000275564
Instrument Date	Aug 19, 2026
Instrument	2026275564
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938

Mortgage

Document Number	0000275564,
Date	Sep 1, 2026
Instrument	2026275564

Lender

Name	ZIONS BANCORPORATION NA

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RIVERSIDE CA
Recording Date	May 27, 2022
Property Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938
Document Number	0000246185
Map Reference	MB 21 PG 80
Instrument Date	May 23, 2022
Instrument	2022-0246185
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938

Mortgage

Document Number	0000246186
Date	May 27, 2022
Instrument	2022-0246186

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RIVERSIDE CA
Recording Date	Feb 8, 2017
Property Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938
Document Number	0000055543
Map Reference	PM6507 PM21 PG80
Instrument Date	Jan 30, 2017
Instrument	2017-0055543
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	WESTMINSTER TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Feb 8, 2017
Property Address	45895 LA CRUZ DR, TEMECULA, CA 92590-3938
Document Number	0000055348
Instrument Date	Dec 8, 2016
Instrument	55348
Transaction Type	Transfer
Record Updated	Feb 15, 2017
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$1,238.60
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 LA CRUZ DR TEMECULA CA 925903938, TEMECULA, CA 92590-3938

Tax Assessment & Valuation

The 2025 property tax bill for 45895 la Cruz Dr was $18,173 with a homeowner's exemption, up 1.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,332,950 (+2%) Land $378,813 Building $954,137
2025	$18,173.00 (+1.76%) Homeowner's exemption	$1,306,815 Land $371,386 Building $935,429
2024	$17,858.00 (-1.05%)
2023	$18,048.00 (+1.78%) Homeowner's exemption	$1,256,071 Land $356,965 Building $899,106
2022	$17,733.00
2021			$1,324,620

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45895 la Cruz Dr in Zone D, where flood risk has not been studied, though there have been 5 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	5 (1993–2007)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Nov 2007 · rainfall accumulation
Claims by Event	Severe Winter Storm, Mud & Land Slides, & Flooding, Jan 1993 · 4 claims

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

Wildfire risk around 45895 la Cruz Dr is high, ranking above 87% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 87% of the US · above 68% of California
Wildfire Likelihood	1% 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	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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: Southern California Telephone.

Cell Coverage

No cell data coverage reported

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