1044 Terrace Dr, Upland, CA 91784 Property Records

San Bernardino County property record for 1044 Terrace Dr, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,065 sqft · built 1957
Lot Size	0.551 acres (24,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,247 (2025)
Deeds & Mortgages	Sep 2023 Reverse Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1003-531-01-0000`

Property Details

APN / Parcel Number

Primary APN	`1003-531-01-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,065 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	2,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Modern
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	240 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	584 sqft
Patio Area	584 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1044 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 20
Legal Subdivision	HILLCREST SUBDIVISION
Legal Tract	1844
Legal Block	2
Legal Lot Number	20
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 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 Record
Mailing Address	1044 TERRACE DR, UPLAND, CA 91784-1071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 1, 2023
Transfer Doc	0000225375
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 11, 2023
Property Address	1044 TERRACE DR, UPLAND, CA 91784-1071
Document Number	0000225375
Map Reference	MB 28 PG 16
Instrument Date	Sep 1, 2023
Instrument	2023-0225375
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	NOT AVAILABLE, FNC TITLE OF CALIFORNIA

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	Living Trust
Address	1044 TERRACE DR, UPLAND, CA 91784-1071

Mortgage

Document Number	0000225376
Date	Sep 11, 2023
Instrument	2023-0225376

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.14%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13.1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1044 TERRACE DR, UPLAND, CA 91784-1071
Document Number	0000047833
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	BOSTON NATIONAL TITLE, BOSTON NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 TERRACE DR UPLAND CA 917841071, UPLAND, CA 91784-1071

Mortgage

Document Number	0000047833
Date	Feb 10, 2020
Instrument	47833

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 9, 2035

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		$485,851 (+2%) Land $171,085 Building $314,766
2025	$5,247.00 (+3.35%) Homeowner's exemption	$476,324 (+4.04%) Land $167,730 Building $308,594
2023	$5,077.00 (+2.21%)	$457,828 Land $161,217 Building $296,611
2022	$4,967.00

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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