1010 Terrace Dr, Upland, CA 91784 Property Records

San Bernardino County property record for 1010 Terrace Dr, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 5,420 sqft · built 1978
Lot Size	1.11 acres (48,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Sep 2017)
Tax Bill	$15,970 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Aug 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1003-531-04-0000`

Property Details

APN / Parcel Number

Primary APN	`1003-531-04-0000`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	5,420 sqft Living Area
Gross Area	6,358 sqft
1st Floor Area	2,668 sqft
2nd Floor Area	2,752 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	48,750 sqft
Lot Dimensions	325 ft deep x 150 ft wide
Terrain	Steep
Garage Type	Attached
Garage Area	938 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio/Porch
Porch Area	1,212 sqft
Patio Area	1,212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	1010 TERRACE DR
City	UPLAND
State	CA
Zip	91784-1071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS14M
Legal Description	TRACT 1844 LOT 23
Legal Subdivision	HILLCREST SUBDIVISION
Legal Tract	1844
Legal Block	2
Legal Lot Number	23
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2024
Census Tract	804

Owner

Source: San Bernardino County records, as of August 10, 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	1010 TERRACE DR, UPLAND, CA 91784-1071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit GOLDEN STATE BANK
Aug 8, 2019	Loan Modification, Mortgage FNTG BUILDER SERVICES, FNTG BUILDER SVCS
Sep 1, 2017	Grant Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	2017361163
Prior Transfer Date	Oct 4, 2007
Prior Transfer Doc	0000580240
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1010 TERRACE DR, UPLAND, CA 91784-1071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE GROU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000199822
Date	Jun 1, 2018
Instrument	2018-0199822

Lender

Name	GOLDEN STATE BANK
Type	Bank
Address	UPLAND, CA 91786

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	1010 TERRACE DR, UPLAND, CA 91784-1071
Document Number	0000353831
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	FNTG BUILDER SERVICES, FNTG BUILDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1010 TERRACE DR UPLAND CA 917841071, UPLAND, CA 91784-1071

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 1, 2017
Property Address	1010 TERRACE DR, UPLAND, CA 91784-1071
Document Number	0000361163
Map Reference	MB28 PG16
Instrument Date	Apr 12, 2017
Instrument	2017-0361163
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ORANGE COAST TITLE COMPANY

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	1010 TERRACE DR, UPLAND, CA 91784-1071

Mortgage

Document Number	0000361164
Date	Sep 1, 2017
Instrument	2017-0361164

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	10.2%
Index	1-Year LIBOR
Margin	4
Max Rate	13.2%

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	Upland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,334,674 (+2%) Land $467,136 Building $867,538
2025	$15,970.00 (+17.44%) Homeowner's exemption	$1,308,503 (+4.04%) Land $457,976 Building $850,527
2023	$13,598.00 (-1.9%) Homeowner's exemption	$1,257,692 Land $440,192 Building $817,500
2022	$13,861.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1980–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Nov 1982 · rainfall accumulation

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	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.3% 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	SAN ANTONIO WATER COMPANY private · serves 3,441 people · EPA ID CA3610085
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 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. 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 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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