1048 W 15th St, Upland, CA 91786 Property Records

San Bernardino County property record for 1048 W 15th St, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,300 sqft · built 1983
Lot Size	0.631 acres (27,500 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Apr 2013)
Tax Bill	$9,222 (2025)
Deeds & Mortgages	Feb 2021 Reverse Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1006-171-61-0000`

Property Details

APN / Parcel Number

Primary APN	`1006-171-61-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,300 sqft Living Area
Gross Area	5,337 sqft
1st Floor Area	4,300 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1984
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	27,500 sqft (0.631 acres)
Garage Type	Attached
Garage Area	1,037 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio/Porch
Porch Area	493 sqft
Patio Area	493 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1048 W 15TH ST
City	UPLAND
State	CA
Zip	91786-2269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 13737 LOT 6
Legal Subdivision	TRACT 13737
Legal Tract	13737
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1012
Census Tract	818

Owner

1048 W 15th St is owned and occupied by two individuals who bought it in April 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	1048 W 15TH ST, UPLAND, CA 91786-2269
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 3, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Mar 30, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 16, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2013 · Amount on File
Deed Sale	Apr 9, 2013 · Amount on File
Deed Document Number	2013145099
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1048 W 15TH ST, UPLAND, CA 91786-2269
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 W 15TH ST, UPLAND, CA 91786-2269

Mortgage

Document Number	0000053157
Date	Feb 3, 2021
Instrument	2021-0053157

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	896 Months
Due	Oct 3, 2095

Interest

Rate Type	Adjustable Rate
Rate	2.23%
Type Change Date	Mar 1, 2021
Index	1-Year LIBOR

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1048 W 15TH ST, UPLAND, CA 91786-2269
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SPL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133897
Date	Mar 30, 2017
Instrument	2017-0133897

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1048 W 15TH ST, UPLAND, CA 91786-2269
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 W 15TH ST, UPLAND, CA 91786-2269

Mortgage

Document Number	0000398149
Date	Oct 16, 2020
Instrument	2020-0398149

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	193 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1048 W 15th St was $9,222.

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		$856,943 (+2%) Land $296,744 Building $560,199
2025	$9,222.00	$840,140 Land $290,925 Building $549,215
2023	$8,797.00 (+2.2%)	$807,516 Land $279,628 Building $527,888
2022	$8,608.00

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

Flood

FEMA maps place 1048 W 15th St 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 1048 W 15th St 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	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 626 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

May also be available: Frontier.

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