12386 Thistle Dr, Rancho Cucamonga, CA 91739 Property Records

San Bernardino County property record for 12386 Thistle Dr, Rancho Cucamonga, CA 91739

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,648 sqft · built 1985
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Sep 2019)
Tax Bill	$7,764 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1089-411-62-0000`

Property Details

APN / Parcel Number

Primary APN	`1089-411-62-0000`
Alternative APN	`0249-183-01`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
Gross Area	2,270 sqft
1st Floor Area	1,648 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	622 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	556 sqft
Patio Area	556 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12386 THISTLE DR
City	RANCHO CUCAMONGA
State	CA
Zip	91739-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 12046 LOT 174 TRACT 12046 LOT 174 AND INT IN COMMON AREA
Legal Subdivision	TRACT 12046
Legal Tract	12046
Legal Block	1
Legal Lot Number	174
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1003
Census Tract	2044

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	2 Individual Names on Record
Mailing Address	12386 THISTLE DR, RANCHO CUCAMONGA, CA 91739-1521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Sep 4, 2019	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Deed Document Number	2019315438
Prior Transfer Date	Jun 11, 2019
Prior Transfer Doc	0000192166
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	12386 THISTLE DR, RANCHO CUCAMONGA, CA 91739-1521
Transaction Type	Mortgage
Record Updated	Mar 4, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12386 THISTLE DR, RANCHO CUCAMONGA, CA 91739-1521

Mortgage

Document Number	0000041828
Date	Feb 22, 2024
Instrument	2024-0041828

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 21, 2044

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 4, 2019
Property Address	12386 THISTLE DR, RANCHO CUCAMONGA, CA 91739-1521
Document Number	0000315438
Map Reference	MB 168 PG 1-7
Instrument Date	Jul 25, 2019
Instrument	2019-0315438
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	STEWART 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
Relationship	Joint Tenants
Address	12386 THISTLE DR, RANCHO CUCAMONGA, CA 91739-1521

Mortgage

Document Number	0000315439
Date	Sep 4, 2019
Instrument	2019-0315439

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 12, 2019
Property Address	12386 THISTLE DR, RANCHO CUCAMONGA, CA 91739-1521
Document Number	0000192166
Instrument Date	Jun 11, 2019
Instrument	192166
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12386 THISTLE DR RANCHO CUCAMONGA CA 917391521, RANCHO CUCAMONGA, CA 91739-1521

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		$651,828 (+2%) Land $160,356 Building $491,472
2025	$7,764.00 (+7.12%) Homeowner's exemption	$639,047 (+5.73%) Land $157,212 Building $481,835
2023	$7,248.00 (+1.46%) Homeowner's exemption	$604,428 Land $151,107 Building $453,321
2022	$7,144.00

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 588 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Verizon.

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