108 E Spruce St, Ontario, CA 91761 Property Records

San Bernardino County property record for 108 E Spruce St, Ontario, CA 91761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,236 sqft · built 1974
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$544,000 (May 2021)
Tax Bill	$6,469 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1050-571-09-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-571-09-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Gross Area	1,678 sqft
1st Floor Area	1,236 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Modern
Construction Type	Frame
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	840 sqft
Patio Area	840 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	108 E SPRUCE ST
City	ONTARIO
State	CA
Zip	91761-5363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 8729 LOT 2
Legal Subdivision	117M83
Legal Tract	8729
Legal Block	3
Legal Lot Number	2
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3006
Census Tract	1810

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	Individual Name on Record
Mailing Address	108 E SPRUCE ST, ONTARIO, CA 91761-5363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage SOFI BANK NA
May 4, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Deed Document Number	2021206015
Prior Transfer Date	May 23, 2006
Prior Transfer Doc	0000375376
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Mar 9, 2026
Property Address	108 E SPRUCE ST, ONTARIO, CA 91761-5363
Document Number	0000061364
Map Reference	MB 117 PG 83-86
Instrument Date	Feb 20, 2026
Instrument	2026-0061364
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	TSI TITLE AND ESCROW, SILK TITLE & ESCROW

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
Address	108 E SPRUCE ST, ONTARIO, CA 91761-5363
Investor	Possibly a Property Investor

Mortgage

Document Number	0000061365
Date	Mar 9, 2026
Instrument	2026-0061365

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2046

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 4, 2021
Property Address	108 E SPRUCE ST, ONTARIO, CA 91761-5363
Document Number	0000206015
Map Reference	MB 117 PG 83-86
Instrument Date	Mar 30, 2021
Instrument	2021-0206015
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	CHICAGO 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
Address	108 E SPRUCE ST, ONTARIO, CA 91761-5363
Investor	Possibly a Property Investor

Mortgage

Document Number	0000206016
Date	May 4, 2021
Instrument	2021-0206016

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	Ontario 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		$600,620 (+2%) Land $210,217 Building $390,403
2025	$6,469.00 (+5.29%) Homeowner's exemption	$588,843 (+4.04%) Land $206,095 Building $382,748
2023	$6,144.00 (+1.34%) Homeowner's exemption	$565,977 Land $198,092 Building $367,885
2022	$6,063.00

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

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

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	ONTARIO MUNICIPAL UTILITIES COMPANY serves 185,010 people · EPA ID CA3610034
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2022–2024) 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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, T-Mobile.

Nearby Properties on E Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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