125 Spencer Ave, Upland, CA 91786 Property Records

San Bernardino County property record for 125 Spencer Ave, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1963
Lot Size	0.175 acres (7,600 sqft)
Owner	Company Name on File
Last Sale	$162,000 (Jan 2002)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1007-611-11-0000`

Property Details

APN / Parcel Number

Primary APN	`1007-611-11-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Modern
Construction Type	Frame
Lot Area	7,600 sqft (0.175 acres)
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	316 sqft
Patio Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	125 SPENCER AVE
City	UPLAND
State	CA
Zip	91786-6244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 6666 LOT 35
Legal Subdivision	TRACT NO 6666
Legal Tract	6666
Legal Block	1
Legal Lot Number	35
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1001
Census Tract	825

Owner

125 Spencer Ave is owned by a company that acquired it in September 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	125 SPENCER AVE, UPLAND, CA 91786-6244
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 27, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2002 · Amount on File
Deed Sale	Jan 29, 2002 · Amount on File
Deed Document Number	200244111
Last Transfer Date	Sep 10, 2022
Transfer Doc	0000324762
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	125 SPENCER AVE, UPLAND, CA 91786-6244
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163184
Date	May 15, 2020
Instrument	2020-0163184

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	125 SPENCER AVE, UPLAND, CA 91786-6244
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SPENCER AVE, UPLAND, CA 91786-6244

Mortgage

Document Number	0000395033
Date	Aug 31, 2021
Instrument	2021-0395033

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 27, 2022
Property Address	125 SPENCER AVE, UPLAND, CA 91786-6244
Document Number	0000324762
Instrument Date	Sep 10, 2022
Instrument	2022-0324762
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	125 SPENCER AVE, UPLAND, CA 91786-6244

Tax Assessment & Valuation

The 2025 property tax bill for 125 Spencer Ave was $2,774.

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Upland City
Unified School District	Upland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$244,110 (+2%) Land $85,137 Building $158,973
2025	$2,774.00 Homeowner's exemption	$239,324 Land $83,468 Building $155,856
2023	$2,645.00 (+5.25%) Homeowner's exemption	$230,030 Land $80,226 Building $149,804
2022	$2,513.00

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

Flood

FEMA maps place 125 Spencer Ave 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 125 Spencer Ave 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	CITY OF UPLAND serves 78,376 people · EPA ID CA3610050
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 491 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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