5282 Prospector Cir, Banning, CA 92220 Property Records

Riverside County property record for 5282 Prospector Cir, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,684 sqft · built 1991
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,000 (Mar 2010)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`419-342-008`

Property Details

APN / Parcel Number

Primary APN	`419-342-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area
Gross Area	2,245 sqft
1st Floor Area	1,684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Material	Tile
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	5282 PROSPECTOR CIR
City	BANNING
State	CA
Zip	92220-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Description	.18 ACRES IN LOT 16 MB 226/053 TR 21882-1
Legal Subdivision	TRACT NO 21882 1
Legal Tract	21882-1
Legal Lot Number	16
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	3
Census Block	3014
Census Tract	44103

Owner

Source: Riverside County records, as of July 29, 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	5282 PROSPECTOR CIR, BANNING, CA 92220-3319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN LOAN CENTER
Jan 10, 2020	Deed of Trust, Mortgage · Conventional with PMI FRANKLIN LN CTR
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN LN CTR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2010 · Amount on Record
Deed Sale	Mar 16, 2010 · Amount on Record
Prior Sale	Sep 19, 2003 · Amount on Record
Deed Document Number	2010118968
Prior Transfer Date	Sep 11, 1997
Prior Transfer Doc	0000341177
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	5282 PROSPECTOR CIR, BANNING, CA 92220-3319
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	FIDELITY NATL TTL INLAND EMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5282 PROSPECTOR CIR, BANNING, CA 92220-3319

Mortgage

Document Number	0000481523
Date	Oct 7, 2020
Instrument	2020-0481523

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company
Address	PALM DESERT, CA 92260

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	5282 PROSPECTOR CIR, BANNING, CA 92220-3319
Document Number	0000019423
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	FIDELITY NATIONAL TITLE-INLAND EM, FIDELITY NAT'L TITLE-INLAND EM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5282 PROSPECTOR CIR BANNING CA 922203319, BANNING, CA 92220-3319

Mortgage

Document Number	0000019423
Date	Jan 15, 2020
Instrument	19423

Lender

Name	FRANKLIN LN CTR
Type	Funding / Finance Company
Address	PALM DESERT, CA 92260

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	5282 PROSPECTOR CIR, BANNING, CA 92220-3319
Document Number	0000440310
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5282 PROSPECTOR CIR BANNING CA 922203319, BANNING, CA 92220-3319

Mortgage

Document Number	0000440310
Date	Oct 23, 2017
Instrument	440310

Lender

Name	FRANKLIN LN CTR
Type	Funding / Finance Company
Address	PALM DESERT, CA 92260

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$240,924 (+2%) Land $65,821 Building $175,103
2025	$3,152.00 (+1.71%) Homeowner's exemption	$236,201 (+4.04%) Land $64,531 Building $171,670
2023	$3,099.00 (+1.91%) Homeowner's exemption	$227,030 Land $62,026 Building $165,004
2022	$3,041.00
2021			$335,160

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	High above 73% of the US · above 49% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF BANNING serves 31,680 people · EPA ID CA3310006
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2022–2024) 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 590 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks.

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