1044 Nicholas St, Upland, CA 91784 Property Records

San Bernardino County property record for 1044 Nicholas St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,130 sqft · built 1983
Lot Size	0.231 acres (10,080 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,310 (2025)
Deeds & Mortgages	Apr 2026 Reverse Mortgage Apr 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1004-081-44-0000`

Property Details

APN / Parcel Number

Primary APN	`1004-081-44-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,130 sqft Living Area
Gross Area	2,739 sqft
1st Floor Area	2,130 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	120 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	30 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1044 NICHOLAS ST
City	UPLAND
State	CA
Zip	91784-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 10197 LOT 25
Legal Subdivision	146M87
Legal Tract	10197
Legal Block	2
Legal Lot Number	25
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2003
Census Tract	814

Owner

Source: San Bernardino County assessment roll, as of July 14, 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 File
Mailing Address	1044 NICHOLAS ST, UPLAND, CA 91784-1209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Reverse Mortgage PACIFIC COAST TITLE COMPANY
Apr 2, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 2, 2026
Property Address	1044 NICHOLAS ST, UPLAND, CA 91784-1209
Document Number	0000085499
Instrument Date	Mar 27, 2026
Instrument	202685499
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1044 NICHOLAS ST, UPLAND, CA 91784-1209

Mortgage

Document Number	0000085499,
Date	Apr 2, 2026
Instrument	202685499

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 2, 2026
Property Address	1044 NICHOLAS ST, UPLAND, CA 91784-1209
Document Number	0000085500
Instrument Date	Mar 27, 2026
Instrument	202685500
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1044 NICHOLAS ST, UPLAND, CA 91784-1209

Mortgage

Document Number	0000085500,
Date	Apr 2, 2026
Instrument	202685500

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Upland City
Unified School District	Upland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$302,208 (+2%) Land $71,857 Building $230,351
2025	$3,310.00 (+4.98%) Homeowner's exemption	$296,282 (+4.04%) Land $70,448 Building $225,834
2023	$3,153.00 (+2.27%) Homeowner's exemption	$284,778 Land $67,713 Building $217,065
2022	$3,083.00

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 Claims	1 (1992)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1992 · Rain/snow/wind Storms, Flooding, Mudslides

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 UPLAND serves 78,376 people · EPA ID CA3610050
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2024–2026) 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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