1130 E Elma St, Ontario, CA 91764 Property Records

San Bernardino County property record for 1130 E Elma St, Ontario, CA 91764

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,217 sqft · built 1955
Lot Size	0.145 acres (6,300 sqft)
Owner	Trust Name on File
Last Sale	$77,000 (Mar 1996)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Feb 2021 Transfer Feb 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1048-463-31-0000`

Property Details

APN / Parcel Number

Primary APN	`1048-463-31-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,217 sqft Living Area
1st Floor Area	1,217 sqft
Family Room	Family Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	263 sqft
Patio Area	263 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1130 E ELMA ST
City	ONTARIO
State	CA
Zip	91764-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TRACT 1923 LOT 16 EX S 7 1/2 FT FOR ALLEY
Legal Subdivision	TRACT NO 1923
Legal Tract	1923
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2007
Census Tract	1503

Owner

1130 E Elma St is owner-occupied and held in a trust since February 2021.

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

Owner of Record	Trust Name on File
Mailing Address	1130 E ELMA ST, ONTARIO, CA 91764-4340
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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 23, 2021	Intrafamily Transfer, Transfer
Feb 23, 2021	Intrafamily Transfer, Transfer
Nov 19, 2016	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 1996 · Amount on File
Deed Sale	Mar 15, 1996 · Amount on File
Prior Sale	Jul 26, 1995 · Amount on File
Deed Document Number	199692082
Last Transfer Date	Feb 19, 2021
Transfer Doc	0000085245
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 23, 2021
Property Address	1130 E ELMA ST, ONTARIO, CA 91764-4340
Document Number	0000085245
Map Reference	MB 28 PG 47
Instrument Date	Feb 19, 2021
Instrument	2021-0085245
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	1130 E ELMA ST, ONTARIO, CA 91764-4340

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 23, 2021
Property Address	1130 E ELMA ST, ONTARIO, CA 91764-4340
Document Number	0000085244
Map Reference	MB 28 PG 47
Instrument Date	Feb 19, 2021
Instrument	2021-0085244
Transaction Type	Transfer
Record Updated	Jul 22, 2022

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	Community Property with Right of Survivorship
Address	1130 E ELMA ST, ONTARIO, CA 91764-4340

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1130 E ELMA ST, ONTARIO, CA 91764-4340
Document Number	0000031417
Instrument Date	Nov 19, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1130 E ELMA ST ONTARIO CA 917644340, ONTARIO, CA 91764-4340

Mortgage

Document Number	0000031417
Date	Jan 24, 2017
Instrument	31417

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 23, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1130 E Elma St was $1,423.

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		$130,476 (+2%) Land $50,834 Building $79,642
2025	$1,423.00 Homeowner's exemption	$127,917 Land $49,837 Building $78,080
2023	$1,352.00 (+1.35%) Homeowner's exemption	$122,950 Land $47,902 Building $75,048
2022	$1,334.00

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

Flood

FEMA maps place 1130 E Elma St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1130 E Elma St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	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 739 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, Inyo Networks, T-Mobile.

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