643 N Cherry St, Banning, CA 92220 Property Records

Riverside County property record for 643 N Cherry St, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 806 sqft · built 1930
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2020)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`541-053-009`

Property Details

APN / Parcel Number

Primary APN	`541-053-009`
Alternative APN	`541053004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	806 sqft Living Area
Gross Area	1,295 sqft
1st Floor Area	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1940
Construction Type	Masonry / Concrete Block
Roof Material	Wood Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	307 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	541053004
Street Address	643 N CHERRY ST
City	BANNING
State	CA
Zip	92220-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.19 ACRES M/L IN LOT 12 MB 015/009 DESERT VISTA TR
Legal Subdivision	DESERT VISTA TR
Legal Lot Number	12
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	4
Census Block	4003
Census Tract	44200

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	Individual Name on Record
Mailing Address	643 N CHERRY ST, BANNING, CA 92220-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Grant Deed, Transfer · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Apr 17, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Prior Sale	Apr 17, 2018 · Amount on Record
Deed Document Number	2020290997
Prior Transfer Date	Oct 27, 2010
Prior Transfer Doc	0000181231
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 2, 2020
Property Address	643 N CHERRY ST, BANNING, CA 92220-2701
Document Number	0000290997
Map Reference	MB 15 PG 9
Instrument Date	Jun 16, 2020
Instrument	2020-0290997
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 N CHERRY ST, BANNING, CA 92220-2701

Mortgage

Document Number	0000290998
Date	Jul 2, 2020
Instrument	2020-0290998

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Mortgage

Document Number	0000290999
Date	Jul 2, 2020
Instrument	2020-0290999

Lender

Name	STATE OF CALIFORNIA
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Apr 17, 2018
Property Address	643 N CHERRY ST, BANNING, CA 92220-2701
Document Number	0000147312
Map Reference	MB 15 PG 9
Instrument Date	Apr 12, 2018
Instrument	2018-0147312
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 28, 2021
Title Company	WFG TITLE COMPANY OF CALIFOR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	643 N CHERRY ST, BANNING, CA 92220-2701

Mortgage

Document Number	0000147313
Date	Apr 17, 2018
Instrument	2018-0147313

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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	Banning Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,808 (+2%) Land $82,804 Building $138,004
2025	$3,038.00 (+2.15%)	$216,480 (+4.04%) Land $81,181 Building $135,299
2023	$2,974.00 (+2.09%)	$208,077 (+2%) Land $78,030 Building $130,047
2022	$2,913.00	$203,998 Land $76,500 Building $127,498
2021			$204,120

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.2% 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 421 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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon.

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