12308 Silver Saddle Dr, Rancho Cucamonga, CA 91739 Property Records

San Bernardino County property record for 12308 Silver Saddle Dr, Rancho Cucamonga, CA 91739

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,439 sqft · built 2001
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Last Sale	$830,000 (Feb 2019)
Tax Bill	$11,181 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0225-431-48-0000`

Property Details

APN / Parcel Number

Primary APN	`0225-431-48-0000`
Alternative APN	`0288-821-09`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,439 sqft Living Area
Gross Area	4,095 sqft
1st Floor Area	1,716 sqft
2nd Floor Area	1,723 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	581 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12308 SILVER SADDLE DR
City	RANCHO CUCAMONGA
State	CA
Zip	91739-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 13812 LOT 99 AND INT IN COMMON AREA
Legal Tract	13812
Legal Block	3
Legal Lot Number	99
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3013
Census Tract	2043

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	12308 SILVER SADDLE DR, RANCHO CUCAMONGA, CA 91739-9535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 28, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2019	Quit Claim Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on Record
Deed Sale	Feb 28, 2019 · Amount on Record
Prior Sale	Dec 31, 2003 · Amount on Record
Deed Document Number	201963470
Prior Transfer Date	Feb 7, 2019
Prior Transfer Doc	0000063469
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12308 SILVER SADDLE DR, RANCHO CUCAMONGA, CA 91739-9535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE IE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000338895
Date	Sep 20, 2019
Instrument	2019-0338895

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 28, 2019
Property Address	12308 SILVER SADDLE DR, RANCHO CUCAMONGA, CA 91739-9535
Document Number	0000063470
Map Reference	MB 239 PG 86-93
Instrument Date	Feb 8, 2019
Instrument	2019-0063470
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAWYERS 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	12308 SILVER SADDLE DR, RANCHO CUCAMONGA, CA 91739-9535

Mortgage

Document Number	0000063471
Date	Feb 28, 2019
Instrument	2019-0063471

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 28, 2019
Property Address	12308 SILVER SADDLE DR, RANCHO CUCAMONGA, CA 91739-9535
Document Number	0000063469
Instrument Date	Feb 7, 2019
Instrument	63469
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12308 SILVER SADDLE DR RANCHO CUCAMONGA CA 917399535, RANCHO CUCAMONGA, CA 91739-9535

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	Rancho Cucamonga City
Secondary School District	Chaffey Joint Union High School District (09 - 12)
Elementary School District	Etiwanda Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$944,399 (+2%) Land $236,100 Building $708,299
2025	$11,181.00 (+4.77%) Homeowner's exemption	$925,882 (+4.04%) Land $231,471 Building $694,411
2023	$10,672.00 (+0.98%) Homeowner's exemption	$889,928 Land $222,482 Building $667,446
2022	$10,568.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect 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	CUCAMONGA VALLEY WATER DISTRICT serves 213,375 people · EPA ID CA3610018
Water Source	Surface water
Last State Inspection	Feb 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks.

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