8909 Ginger Oak Ln, Bakersfield, CA 93311 Property Records

Kern County property record for 8909 Ginger Oak Ln, Bakersfield, CA 93311

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 1986
Lot Size	0.21 acres (9,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Feb 2014)
Tax Bill	$4,332 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`513-081-27-00-9`

Property Details

APN / Parcel Number

Primary APN	`513-081-27-00-9`
Alternative APNs	`513-081-27-3` `5130812700` `51308127`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	2,270 sqft
1st Floor Area	1,660 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Frame
Lot Area	9,143 sqft (0.21 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	75 sqft
Patio Area	94 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	513081273
Street Address	8909 GINGER OAK LN
City	BAKERSFIELD
State	CA
Zip	93311-2404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 4613 , BLOCK , LOT 27
Legal Subdivision	TRACT NO 4613
Legal Tract	4613
Legal Block	3
Legal Lot Number	27
Jurisdiction	KERN CA
Township / Civil Division	BAKERSFIELD
Census Block Group	3
Census Block	3007
Census Tract	2823

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8909 GINGER OAK LN, BAKERSFIELD, CA 93311-2404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2014 · Amount on Record
Deed Sale	Feb 18, 2014 · Amount on Record
Prior Sale	Sep 20, 1996 · Amount on Record
Deed Document Number	201417917
Prior Transfer Date	Apr 19, 1996
Prior Transfer Doc	0000051698
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	8909 GINGER OAK LN, BAKERSFIELD, CA 93311-2404
Transaction Type	Mortgage
Record Updated	Nov 7, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8909 GINGER OAK LN, BAKERSFIELD, CA 93311-2404

Mortgage

Document Number	0000124248
Date	Jul 2, 2021
Instrument	221124248

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 24, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	8909 GINGER OAK LN, BAKERSFIELD, CA 93311-2404
Document Number	0000016041
Instrument Date	Feb 9, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8909 GINGER OAK LN BAKERSFIELD CA 933112404, BAKERSFIELD, CA 93311-2404

Mortgage

Document Number	0000016041
Date	Feb 13, 2019
Instrument	16041

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 12, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Kern County
Municipality	Bakersfield City
Elementary School District	Panama-Buena Vista School District (KG - 08)
Secondary School District	Kern High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$298,828 (+2%) Land $75,015 Building $223,813
2025	$4,332.00 (+3.36%)	$292,970 (+4.04%) Land $73,545 Building $219,425
2023	$4,191.00 (+4.02%)	$281,595 Land $70,690 Building $210,905
2022	$4,029.00

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 Zone	Zone X minimal risk
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	CITY OF BAKERSFIELD serves 171,108 people · EPA ID CA1510031
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	1 ppb (2023–2025) 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 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Applied Technology Group Fixed Wireless	500 / 500
unWired Broadband Fixed Wireless	300 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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