Riverside County property record for 78990 Polk St, Thermal, CA 92274
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,133 sqft · built 2002 |
| Lot Size | 9.71 acres (423,403 sqft) |
| Owner | Individual Name on File |
| Last Sale | $19,500 (Jul 1999) |
| Tax Bill | $7,613 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 755-320-028 |
| Primary APN | 755-320-028 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,133 sqft Living Area |
| Gross Area | 4,253 sqft |
| 1st Floor Area | 3,133 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Wood |
| Roof Material | Gravel |
| Lot Area | 423,403 sqft |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 78990 POLK ST |
|---|---|
| City | THERMAL |
| State | CA |
| Zip | 92274-9441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | W2 |
| Legal Description | 9.72 ACRES M/L IN POR NW 1/4 OF SEC 15 T8S R8E FOR TOTAL DESCRIPTION SEE ASSESSORS MAPS |
| Legal Range | 08E |
| Legal Township | 08S |
| Legal Section | 15 |
| Jurisdiction | RIVERSIDE CA |
| Township / Civil Division | IDYLLWILD |
| Census Block Group | 4 |
| Census Block | 4087 |
| Census Tract | 44403 |
78990 Polk St is owned and occupied by an individual who acquired it in February 2025.
Source: Riverside County records, as of July 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78990 POLK ST, THERMAL, CA 92274-9441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Line of Credit MUTUAL/OMAHA MORTGAGE LLC |
| Apr 18, 2022 | Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 1999 · Amount on File |
| Deed Sale | Jul 16, 1999 · Amount on File |
| Deed Document Number | 1999319163 |
| Last Transfer Date | Feb 25, 2025 |
| Transfer Doc | 0000064216 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Jun 12, 2026 |
| Property Address | 78990 POLK ST, THERMAL, CA 92274-9441 |
| Document Number | 0000179512 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026179512 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 78990 POLK ST, THERMAL, CA 92274-9441 |
| Document Number | 0000179512, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 2026179512 |
| Name | MUTUAL/OMAHA MORTGAGE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Recording Date | Apr 18, 2022 |
| Property Address | 78990 POLK ST, THERMAL, CA 92274-9441 |
| Document Number | 0000182842 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 2022-0182842 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | LAWYERS TITLE-VN, LAWYERS TITLE VN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78990 POLK ST, THERMAL, CA 92274-9441 |
| Document Number | 0000182843 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 2022-0182843 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 78990 Polk St was $7,613 with a homeowner's exemption, up 0.4% from the year before.
Source: Riverside County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | California |
| County | Riverside County |
| Unified School District | Coachella Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $614,439 (+2%) Land $64,149 Building $550,290 | |
| 2025 | $7,613.00 (+0.41%) | $602,392 Land $62,892 Building $539,500 |
| 2024 | $7,582.00 (+0.96%) | |
| 2023 | $7,510.00 (+1.49%) | $579,001 Land $60,450 Building $518,551 |
| 2022 | $7,400.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 78990 Polk St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AO, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| 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 78990 Polk St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | COACHELLA VWD: COVE COMMUNITY serves 270,000 people · EPA ID CA3310001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2022 |
| 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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