1111 Spruce St, San Bernardino, CA 92411 Property Records

San Bernardino County property record for 1111 Spruce St, San Bernardino, CA 92411

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,168 sqft · built 1901
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Apr 2019)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0138-124-13-0000`

Property Details

APN / Parcel Number

Primary APN	`0138-124-13-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft
Family Room	Family Room

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
View / Lot	Average
Porch	Patio/Porch
Porch Area	109 sqft
Patio Area	109 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1111 SPRUCE ST
City	SAN BERNARDINO
State	CA
Zip	92411-2717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GARNER SUB LOT 2 BLK 8
Legal Subdivision	GARNERS SUBDIVISION
Legal Block	8
Legal Lot Number	2
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	2
Census Block	2014
Census Tract	4800

Owner

1111 Spruce St is owned and occupied by two individuals who bought it in April 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · FHA Mortgage ROYAL PACIFIC FUNDING CORP
Apr 5, 2019	Grant Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Oct 3, 2018	Deed of Trust, Mortgage · Line of Credit ES CAPITAL FUNDING 1 LLC
Oct 11, 2018	Grant Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Oct 11, 2018	Grant Deed, Construction Loan · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on File
Deed Sale	Apr 5, 2019 · Amount on File
Prior Sale	Oct 11, 2018 · Amount on File
Deed Document Number	2019106076
Prior Transfer Date	Jan 11, 1995
Prior Transfer Doc	0000014666
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717
Transaction Type	Mortgage
Record Updated	Dec 9, 2021
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717

Mortgage

Document Number	0000534060
Date	Nov 29, 2021
Instrument	2021-0534060

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 5, 2019
Property Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717
Document Number	0000106076
Map Reference	MB 3 PG 77
Instrument Date	Mar 6, 2019
Instrument	2019-0106076
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount 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
Relationship	Community Property with Right of Survivorship
Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717

Mortgage

Document Number	0000106077
Date	Apr 5, 2019
Instrument	2019-0106077

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Mortgage

Document Number	0000106079
Date	Apr 5, 2019
Instrument	2019-0106079

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717
Document Number	0000373108
Instrument Date	Oct 3, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1111 SPRUCE ST SAN BERNARDINO CA 924112717, SAN BERNARDINO, CA 92411-2717

Mortgage

Document Number	0000373108
Date	Oct 11, 2018
Instrument	373108

Lender

Name	ES CAPITAL FUNDING 1 LLC
Address	27271 LAS RAMBLAS # 100, MISSION VIEJO, CA 92691-8041

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 11, 2018
Property Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717
Document Number	0000372558
Instrument Date	Oct 2, 2018
Instrument	372558
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Amount	Amount on Record
Tax	$192.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	355 E RINCON ST #100 CORONA CA 928791371, 100, CORONA, CA 92879-1371
Investor	Possibly a Property Investor

October 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 11, 2018
Property Address	1111 SPRUCE ST, SAN BERNARDINO, CA 92411-2717
Document Number	0000373106
Instrument Date	Oct 2, 2018
Instrument	373106
Transaction Type	Construction Loan
Record Updated	Oct 25, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1042 N MOUNTAIN AVE #B370 UPLAND CA 917863695, B370, UPLAND, CA 91786-3695

Mortgage

Document Number	373107
Date	Oct 11, 2018
Instrument	373107

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	PETALUMA, CA 94954

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1111 Spruce St was $3,927.

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		$307,215 (+2%) Land $92,165 Building $215,050
2025	$3,927.00	$301,191 Land $90,358 Building $210,833
2023	$3,749.00 (-0.19%)	$289,495 Land $86,849 Building $202,646
2022	$3,756.00

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

Flood

FEMA maps place 1111 Spruce 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 1111 Spruce 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	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 710 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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