655 Cottage Grove Rd, Lake Arrowhead, CA 92352 Property Records

San Bernardino County property record for 655 Cottage Grove Rd, Lake Arrowhead, CA 92352

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,316 sqft · built 1922
Lot Size	0.276 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$554,000 (Oct 2026)
Tax Bill	$7,263 (2025)
Deeds & Mortgages	Oct 2026 Sale Jan 2022 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`0335-192-07-0000`

Property Details

APN / Parcel Number

Primary APN	`0335-192-07-0000`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,316 sqft Living Area
Gross Area	1,532 sqft
1st Floor Area	1,108 sqft
2nd Floor Area	208 sqft
Basement Area	216 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1975
Architectural Style	Chalet/Alpine
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.276 acres)
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	216 sqft

Exterior Amenities

Porch	Slab
Porch Area	346 sqft
Deck Area	Deck Area
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	655 COTTAGE GROVE RD
City	LAKE ARROWHEAD
State	CA
Zip	92352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	510
Legal Description	TRACT 8760 LOT 11 TRACT 8760 LOT 11 AND INT IN COMMON AREA AS PER RECORD AND PURSUANT TO SEC 2188.5 OF REVENUE AND TAXATION CODE
Legal Subdivision	TRACT NO 8760
Legal Tract	8760
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	LAKE ARROWHEAD
Census Block Group	2
Census Block	2028
Census Tract	11003

Owner

Source: San Bernardino County records, as of October 19, 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	PO BOX 1841, CRESTLINE, CA 92325-1841
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 7, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Dec 15, 2017	Grant Deed, Transfer · Conventional Mortgage LOANLEADERS OF AMERICA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Prior Sale	Dec 15, 2017 · Amount on Record
Deed Document Number	2026256540
Prior Transfer Date	Jul 31, 2020
Prior Transfer Doc	0000275476
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 2, 2026
Property Address	655 COTTAGE GROVE RD, LAKE ARROWHEAD, CA 92352
Document Number	0000256540
Instrument Date	Sep 18, 2026
Instrument	2026256540
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$61,549.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	655 COTTAGE GROVE RD, LAKE ARROWHEAD, CA 92352
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3463, LAKE ARROWHEAD, CA 92352-3463

Mortgage

Document Number	0000000559
Date	Jan 3, 2022
Instrument	2022-0000559

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 7, 2020
Property Address	655 COTTAGE GROVE RD, LAKE ARROWHEAD, CA 92352
Document Number	0000275476
Map Reference	MB 125 PG 88-93
Instrument Date	Jul 31, 2020
Instrument	2020-0275476
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	655 COTTAGE GROVE RD, LAKE ARROWHEAD, CA 92352

Mortgage

Document Number	0000275477
Date	Aug 7, 2020
Instrument	2020-0275477

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 15, 2017
Property Address	655 COTTAGE GROVE RD, LAKE ARROWHEAD, CA 92352
Document Number	0000532087
Map Reference	MB125 PG88-93
Instrument Date	Nov 16, 2017
Instrument	2017-0532087
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	STEWART TITLE OF CA INC

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	Joint Tenants
Address	25531 FALLENWOOD, LAKE FOREST, CA 92630-6458

Mortgage

Document Number	0000532088
Date	Dec 15, 2017
Instrument	2017-0532088

Lender

Name	LOANLEADERS OF AMERICA INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Unified School District	Rim of the World Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$522,263 (+2%) Land $46,423 Building $475,840
2025	$7,263.00 (+5.25%)	$512,023 (+4.04%) Land $45,513 Building $466,510
2023	$6,901.00 (+2.28%)	$492,141 Land $43,746 Building $448,395
2022	$6,747.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, And Mudslides

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	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	None 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 System	CLAWA state or territorial government · serves 2,320 people · EPA ID CA3610114
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 267 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

May also be available: T-Mobile.

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