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641 White Oak Dr, Ridgecrest, CA 93555 Property Records

Kern County property record for 641 White Oak Dr, Ridgecrest, CA 93555

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,290 sqft · built 1988
Lot Size0.157 acres (6,820 sqft)
OwnerIndividual Name on Record
Last Sale$140,000 (Aug 2012)
Tax Bill$2,475 (2025)
Deeds & MortgagesMar 2023 Second Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (moderate risk)
APN080-472-03-00-4

Property Details

APN / Parcel Number

Primary APN080-472-03-00-4
Alternative APNs
  • 080-472-03-8
  • 0804720300
  • 08047203

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,290 sqft Living Area
Gross Area1,836 sqft
1st Floor Area1,290 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Construction TypeFrame
Lot Area6,820 sqft (0.157 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area84 sqft

Utilities, Heating & Cooling

Heating SystemFloor/Wall Furnace

Location & Zoning

Account Number080472038
Street Address641 WHITE OAK DR
CityRIDGECREST
StateCA
Zip93555-4273
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionTRACT 4941 , BLOCK G , LOT 7
Legal SubdivisionTRACT NO 4941
Legal Tract4941
Legal BlockG
Legal Lot Number7
JurisdictionKERN CA
Township / Civil DivisionEAST KERN
Census Block Group2
Census Block2019
Census Tract5409

Owner

Source: Kern County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address641 WHITE OAK DR, RIDGECREST, CA 93555-4273
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 6, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Jan 29, 2021Deed of Trust, Mortgage · VA Mortgage
GUILD MORTGAGE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 16, 2012 · Amount on Record
Deed SaleAug 16, 2012 · Amount on Record
Prior SaleApr 20, 2012 · Amount on Record
Deed Document Number2012112124
Prior Transfer DateNov 19, 2004
Prior Transfer Doc0000289495
Record UpdatedOct 29, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKERN CA
Property Address641 WHITE OAK DR, RIDGECREST, CA 93555-4273
Transaction TypeMortgage
Record UpdatedMar 15, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 WHITE OAK DR, RIDGECREST, CA 93555-4273
InvestorPossibly a Property Investor

Mortgage

Document Number0000025364
DateMar 6, 2023
Instrument223025364
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term120 Months
DueMar 1, 2033

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKERN CA
Property Address641 WHITE OAK DR, RIDGECREST, CA 93555-4273
Transaction TypeMortgage
Record UpdatedFeb 9, 2021
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 WHITE OAK DR, RIDGECREST, CA 93555-4273

Mortgage

Document Number0000017366
DateJan 29, 2021
Instrument221017366
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Kern County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyKern County
MunicipalityRidgecrest City
Unified School DistrictSierra Sands Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$175,709 (+2%) Land $25,114 Building $150,595
2025$2,475.00 (+8.98%) Homeowner's exemption$172,265 (+4.04%) Land $24,622 Building $147,643
2023$2,271.00 (+2.07%) Homeowner's exemption$165,578 Land $23,667 Building $141,911
2022$2,225.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemINDIAN WELLS VALLEY W.D.
serves 41,474 people · EPA ID CA1510017
Water SourceGroundwater
Last State InspectionMay 2022
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 420 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Mediacom Xtream
Cable		2,000 / 1,000
Race Communications
Fiber		1,000 / 1,000
SBC-Wireless
Fixed Wireless		100 / 100
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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