Riverside County property record for 581 N 5th St, Banning, CA 92220
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,190 sqft · built 1947 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $276,000 (May 2018) |
| Tax Bill | $4,377 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 540-092-001 |
| Primary APN | 540-092-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 4 Stories |
| Building Area | 1,190 sqft Living Area |
| Gross Area | 1,748 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Wood |
| Roof Material | Gravel |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 581 N 5TH ST |
|---|---|
| City | BANNING |
| State | CA |
| Zip | 92220-4627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 1 MB 020/057 R H SAMUEL SUB |
| Legal Subdivision | R H SAMUEL SUB |
| Legal Lot Number | 1 |
| Jurisdiction | RIVERSIDE CA |
| Township / Civil Division | SAN GORGONIO PASS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 44102 |
581 N 5th St is owner-occupied and held in a trust since February 2022.
Source: Riverside County records, as of September 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FEDERAL CREDIT UNION |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU |
| Feb 24, 2022 | Intrafamily Transfer, Transfer |
| May 4, 2018 | Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2018 · Amount on File |
| Deed Sale | May 4, 2018 · Amount on File |
| Prior Sale | Jan 22, 2015 · Amount on File |
| Deed Document Number | 2018175082 |
| Last Transfer Date | Feb 16, 2022 |
| Transfer Doc | 0000091465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Sep 10, 2026 |
| Property Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Number | 0000284967 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 2026284967 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust, 189 |
| Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Number | 0000284967, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 2026284967 |
| Name | SCHOOLSFIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Number | 0000195166 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021-0195166 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000430809 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 2019-0430809 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Address | TUSTIN, CA 92780 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 24, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Feb 24, 2022 |
| Property Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Number | 0000091465 |
| Map Reference | MB 20 PG 57 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022-0091465 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | May 4, 2018 |
| Property Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Number | 0000175082 |
| Map Reference | MB 20 PG 57 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 2018-0175082 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 581 N 5TH ST, BANNING, CA 92220-4627 |
| Document Number | 0000175083 |
|---|---|
| Date | May 4, 2018 |
| Instrument | 2018-0175083 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 581 N 5th St was $4,377.
Source: Riverside County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | California |
| Municipality | Banning City |
| County | Riverside County |
| Unified School District | Banning Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $320,316 (+2%) Land $23,209 Building $297,107 | ||
| 2025 | $4,377.00 | $314,036 Land $22,754 Building $291,282 | |
| 2023 | $4,286.00 (+2.12%) | $301,843 Land $21,871 Building $279,972 | |
| 2022 | $4,197.00 | ||
| 2021 | $314,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 581 N 5th St in Zone X, an area of moderate flood risk.
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 moderate risk · 1% annual chance, depth under 1 ft |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 581 N 5th St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 485 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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