1097 E 28th St, San Bernardino, CA 92404 Property Records

San Bernardino County property record for 1097 E 28th St, San Bernardino, CA 92404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,447 sqft · built 1959
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Oct 2025)
Tax Bill	$4,363 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`0150-363-25-0000`

Property Details

APN / Parcel Number

Primary APN	`0150-363-25-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,447 sqft Living Area
1st Floor Area	1,447 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Modern
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	392 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1097 E 28TH ST
City	SAN BERNARDINO
State	CA
Zip	92404-4111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3931 LOT 109 EX S 67 FT THEREOF
Legal Subdivision	TRACT NO 3931
Legal Tract	3931
Legal Block	3
Legal Lot Number	109
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	3
Census Block	3001
Census Tract	6201

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	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Grant Deed, Transfer · FHA Mortgage KINGS MORTGAGE SERVICES INC
Jul 2, 2021	Intrafamily Transfer, Transfer NORTH AMERICAN TITLE
Apr 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 5, 2019	Grant Deed, Transfer · Conventional Mortgage QUICK LOAN FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Jul 5, 2019 · Amount on Record
Deed Document Number	2025249750
Prior Transfer Date	Apr 12, 2021
Prior Transfer Doc	0000300993
Record Updated	Sep 20, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 15, 2025
Property Address	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111
Document Number	0000249750
Map Reference	MB 50 PG 72&73
Instrument Date	Aug 18, 2025
Instrument	2025-0249750
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111

Mortgage

Document Number	0000249751
Date	Oct 15, 2025
Instrument	2025-0249751

Lender

Name	KINGS MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 2, 2021
Property Address	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111
Document Number	0000300993
Map Reference	MB 50 PG 72&73
Instrument Date	Apr 12, 2021
Instrument	2021-0300993
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	NORTH AMERICAN TITLE

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	Joint Tenants
Address	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 2, 2021
Property Address	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111
Document Number	0000152023
Map Reference	MB 50 PG 72&73
Instrument Date	Mar 24, 2021
Instrument	2021-0152023
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	NORTH AMERICAN TITLE

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	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111

Mortgage

Document Number	0000152024
Date	Apr 2, 2021
Instrument	2021-0152024

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 5, 2019
Property Address	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111
Document Number	0000223144
Map Reference	MB 50 PG 72&73
Instrument Date	Jun 10, 2019
Instrument	2019-0223144
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	FIRST AMERICAN TITLE

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	1097 E 28TH ST, SAN BERNARDINO, CA 92404-4111

Mortgage

Document Number	0000223145
Date	Jul 5, 2019
Instrument	2019-0223145

Lender

Name	QUICK LOAN FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	San Bernardino City
Unified School District	San Bernardino City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$505,000 (+50.17%) Land $151,500 Building $353,500
2025	$4,363.00 (+4.73%)	$336,296 (+4.04%) Land $100,888 Building $235,408
2023	$4,166.00 (-0.19%)	$323,238 Land $96,971 Building $226,267
2022	$4,174.00

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 reduced by levee · depends on levee performance
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	SAN BERNARDINO CITY serves 214,665 people · EPA ID CA3610039
Water Source	Groundwater
Last State Inspection	Jul 2021
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 643 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
Starlink Satellite	280 / 30

May also be available: GeoLinks, Verizon.

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