1198 Echo Dr, San Bernardino, CA 92404 Property Records

San Bernardino County property record for 1198 Echo Dr, San Bernardino, CA 92404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,497 sqft · built 1958
Lot Size	0.187 acres (8,125 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2014)
Tax Bill	$3,449 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`0153-321-15-0000`

Property Details

APN / Parcel Number

Primary APN	`0153-321-15-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,497 sqft Living Area
1st Floor Area	1,497 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Modern
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	8,125 sqft (0.187 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	370 sqft
Patio Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1198 ECHO DR
City	SAN BERNARDINO
State	CA
Zip	92404-1831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3974 LOT 56
Legal Subdivision	TRACT 3974
Legal Tract	3974
Legal Block	2
Legal Lot Number	56
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	2
Census Block	2008
Census Tract	6101

Owner

1198 Echo Dr is owned and occupied by an individual who bought it in March 2014.

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

Owner of Record	Individual Name on File
Mailing Address	1198 ECHO DR, SAN BERNARDINO, CA 92404-1831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Dec 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
May 22, 2019	Deed of Trust, Mortgage · FHA Mortgage CANOPY MORTGAGE LLC
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CANOPY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2014 · Amount on File
Deed Sale	Mar 13, 2014 · Amount on File
Prior Sale	Dec 5, 2013 · Amount on File
Deed Document Number	201493295
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1198 ECHO DR, SAN BERNARDINO, CA 92404-1831
Transaction Type	Mortgage
Record Updated	Jan 8, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1198 ECHO DR, SN BERNRDNO, CA 92404-1831

Mortgage

Document Number	0000308433
Date	Dec 17, 2025
Instrument	2025-0308433

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1198 ECHO DR, SAN BERNARDINO, CA 92404-1831
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY TITLE IE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000165741
Date	May 22, 2019
Instrument	2019-0165741

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1198 ECHO DR, SAN BERNARDINO, CA 92404-1831
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232694
Date	Jul 13, 2020
Instrument	2020-0232694

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1198 Echo Dr was $3,449 with a homeowner's exemption.

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		$275,083 (+2%) Land $82,525 Building $192,558
2025	$3,449.00 Homeowner's exemption	$269,689 Land $80,907 Building $188,782
2023	$3,289.00 (-0.12%) Homeowner's exemption	$259,217 Land $77,766 Building $181,451
2022	$3,293.00

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

Flood

FEMA maps place 1198 Echo Dr in Zone X, where a levee reduces flood risk.

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

Wildfire risk around 1198 Echo Dr is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.05% 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	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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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