10194 Saratoga Ave, Montclair, CA 91763 Property Records

San Bernardino County property record for 10194 Saratoga Ave, Montclair, CA 91763

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,226 sqft · built 1955
Lot Size	0.169 acres (7,373 sqft)
Owner	Trust Name on File
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-382-04-0000`

Property Details

APN / Parcel Number

Primary APN	`1010-382-04-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,226 sqft Living Area
Gross Area	1,626 sqft
1st Floor Area	1,226 sqft
Family Room	Family Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	7,373 sqft (0.169 acres)
Lot Dimensions	101 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	620 sqft
Patio Area	620 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10194 SARATOGA AVE
City	MONTCLAIR
State	CA
Zip	91763-3941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 4596 LOT 23
Legal Subdivision	TRACT NO 4596
Legal Tract	4596
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1004
Census Tract	208

Owner

10194 Saratoga Ave is owner-occupied and held in a trust since December 2020.

Source: San Bernardino County records, as of July 14, 2026

Owner of Record	Trust Name on File
Mailing Address	10194 SARATOGA AVE, MONTCLAIR, CA 91763-3941
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit VIDA FCU
Dec 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RATE ONE FINANCIAL INC
Aug 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 22, 2020
Transfer Doc	0000531122
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	10194 SARATOGA AVE, MONTCLAIR, CA 91763-3941
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10194 SARATOGA AVE, MONTCLAIR, CA 91763-3941

Mortgage

Document Number	0000013086
Date	Jan 20, 2026
Instrument	2026-0013086

Lender

Name	VIDA FCU
Type	Credit Union
Address	ONTARIO, CA 91762

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 13, 2046

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 29, 2020
Property Address	10194 SARATOGA AVE, MONTCLAIR, CA 91763-3941
Document Number	0000531122
Map Reference	MB 57 PG 59&60
Instrument Date	Dec 22, 2020
Instrument	2020-0531122
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Revocable Living Trust
Address	10194 SARATOGA AVE, MONTCLAIR, CA 91763-3941

Mortgage

Document Number	0000531123
Date	Dec 29, 2020
Instrument	2020-0531123

Lender

Name	RATE ONE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 5, 2020
Property Address	10194 SARATOGA AVE, MONTCLAIR, CA 91763-3941
Document Number	0000272901
Instrument Date	Jul 24, 2020
Instrument	272901
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10194 SARATOGA AVE MONTCLAIR CA 917633941, MONTCLAIR, CA 91763-3941

Tax Assessment & Valuation

The 2025 property tax bill for 10194 Saratoga Ave was $1,648 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Montclair City
Secondary School District	Chaffey Joint Union High School District (09 - 12)
Elementary School District	Ontario-Montclair School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$158,502 (+2%) Land $45,584 Building $112,918
2025	$1,648.00 Homeowner's exemption	$155,394 Land $44,690 Building $110,704
2023	$1,562.00 (+1.43%) Homeowner's exemption	$149,360 Land $42,955 Building $106,405
2022	$1,540.00

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

Flood

FEMA maps place 10194 Saratoga Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 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

The area around 10194 Saratoga Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	MONTE VISTA WD serves 56,390 people · EPA ID CA3610029
Water Source	Purchased surface water from several systems
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Saratoga Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures