Riverside County property record for 4851 Bermuda Dunes Ave, Banning, CA 92220
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.75 ba · 1,456 sqft · built 1989 |
| Owner | Individual Name on File |
| Last Sale | $372,000 (Jan 2026) |
| Tax Bill | $4,545 (2025) |
| Deeds & Mortgages | Feb 2022 Reverse Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 440-150-015 |
| Primary APN | 440-150-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 1,969 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood |
| Roof Material | Tile |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4851 BERMUDA DUNES AVE |
|---|---|
| City | BANNING |
| State | CA |
| Zip | 92220-5135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SP |
| Legal Description | LOT 15 MB 196/089 TR 23274 |
| Legal Subdivision | TRACT NO. 23274 |
| Legal Tract | 23274 |
| Legal Lot Number | 15 |
| Jurisdiction | RIVERSIDE CA |
| Township / Civil Division | SAN GORGONIO PASS |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 43812 |
Source: Riverside County records · APN 440-150-015
Assessment roll updated July 29, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4851 BERMUDA DUNES AVE, BANNING, CA 92220-5135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Jan 21, 2026 | Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jan 31, 2017 | Affidavit of Death, Transfer · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on Record |
| Deed Sale | Jan 21, 2026 · Amount on Record |
| Prior Sale | Apr 03, 2012 · Amount on Record |
| Deed Document Number | 202619456 |
| Prior Transfer Date | Jan 11, 2017 |
| Prior Transfer Doc | 0000041312 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 4851 BERMUDA DUNES AVE, BANNING, CA 92220-5135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4851 BERMUDA DUNES AVE, BANNING, CA 92220-5135 |
| Document Number | 0000088931 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022-0088931 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 744 Months |
| Due | Feb 16, 2084 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.33% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 01, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.33% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Jan 21, 2026 |
| Property Address | 4851 BERMUDA DUNES AVE, BANNING, CA 92220-5135 |
| Document Number | 0000019456 |
| Map Reference | MB 196 PG 89 |
| Instrument Date | Dec 24, 2025 |
| Instrument | 2026-0019456 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4851 BERMUDA DUNES AVE, BANNING, CA 92220-5135 |
| Document Number | 0000019457 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 2026-0019457 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Jan 31, 2017 |
| Property Address | 4851 BERMUDA DUNES AVE, BANNING, CA 92220-5135 |
| Document Number | 0000041312 |
| Instrument Date | Jan 11, 2017 |
| Instrument | 41312 |
| Transaction Type | Transfer |
| Record Updated | Sep 05, 2017 |
| Title Company | PLACER TITLE COMPANY, PLACER TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4851 BERMUDA DUNES AVE BANNING CA 922205135, BANNING, CA 92220-5135 |
| Document Number | 41314 |
|---|---|
| Date | Jan 31, 2017 |
| Instrument | 41314 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.45% |
| Document Number | 41313, |
|---|---|
| Date | Jan 31, 2017 |
| Instrument | 41313 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74137 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.45% |
Source: Riverside County records · Assessment roll updated July 29, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| Municipality | Banning City |
| County | Riverside County |
| Unified School District | Banning Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $332,928 (+2%) Land $52,020 Building $280,908 | ||
| 2025 | $4,545.00 (+2.02%) | $326,400 (+80.25%) Land $51,000 Building $275,400 | |
| 2024 | $4,455.00 (+78.34%) | ||
| 2023 | $2,498.00 (+2.21%) Homeowner's exemption | $181,078 Land $60,356 Building $120,722 | |
| 2022 | $2,444.00 | ||
| 2021 | $296,910 |
Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Wildfire Risk | High above 73% of the US · above 48% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 423 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF BANNING serves 31,680 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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