92 Ensign St, Banning, CA 92220 Property Records

Riverside County property record for 92 Ensign St, Banning, CA 92220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,498 sqft · built 1991
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Oct 2020)
Tax Bill	$4,746 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`534-132-004`

Property Details

APN / Parcel Number

Primary APN	`534-132-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,498 sqft Living Area
Gross Area	1,898 sqft
1st Floor Area	1,498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Tile
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	92 ENSIGN ST
City	BANNING
State	CA
Zip	92220-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 22 MB 012/063 BAILEYS SUB
Legal Subdivision	BAILEYS SUB
Legal Lot Number	22
Jurisdiction	RIVERSIDE CA
Township / Civil Division	SAN GORGONIO PASS
Census Block Group	2
Census Block	2005
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	2 Individual Names on Record
Mailing Address	92 ENSIGN ST, BANNING, CA 92220-2100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 20, 2019	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC
Oct 23, 2020	Grant Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Jul 2, 2018	Grant Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Jul 2, 2018 · Amount on Record
Deed Document Number	2020513645
Prior Transfer Date	Jan 7, 1997
Prior Transfer Doc	0000008144
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	92 ENSIGN ST, BANNING, CA 92220-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056694
Date	Feb 5, 2020
Instrument	2020-0056694

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Apr 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	92 ENSIGN ST, BANNING, CA 92220-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094259
Date	Mar 20, 2019
Instrument	2019-0094259

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Oct 23, 2020
Property Address	92 ENSIGN ST, BANNING, CA 92220-2100
Document Number	0000513645
Map Reference	MB 12 PG 63
Instrument Date	Oct 13, 2020
Instrument	2020-0513645
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	TICOR TITLE COMPANY OF CA

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	92 ENSIGN ST, BANNING, CA 92220-2100

Mortgage

Document Number	0000513646
Date	Oct 23, 2020
Instrument	2020-0513646

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RIVERSIDE CA
Recording Date	Jul 2, 2018
Property Address	92 ENSIGN ST, BANNING, CA 92220-2100
Document Number	0000265972
Map Reference	MB 12 PG 63
Instrument Date	Jun 4, 2018
Instrument	2018-0265972
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	LAWYERS TITLE

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	92 ENSIGN ST, BANNING, CA 92220-2100

Mortgage

Document Number	0000265973
Date	Jul 2, 2018
Instrument	2018-0265973

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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		$347,781 (+2%) Land $82,804 Building $264,977
2025	$4,746.00 (+2.11%)	$340,963 (+4.04%) Land $81,181 Building $259,782
2023	$4,648.00 (+2.13%)	$327,726 Land $78,030 Building $249,696
2022	$4,551.00
2021			$321,840

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 69% of the US · above 44% 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 560 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: GeoLinks.

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