1320 Judy Ln, Upland, CA 91784 Property Records

San Bernardino County property record for 1320 Judy Ln, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,646 sqft · built 2005
Lot Size	0.115 acres (5,005 sqft)
Owner	2 Trust Names on File
Last Sale	$681,000 (Jul 2018)
Tax Bill	$11,408 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1044-731-04-0000`

Property Details

APN / Parcel Number

Primary APN	`1044-731-04-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,646 sqft Living Area
Gross Area	3,120 sqft
1st Floor Area	1,242 sqft
2nd Floor Area	1,404 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	5,005 sqft (0.115 acres)
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1320 JUDY LN
City	UPLAND
State	CA
Zip	91784-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16199 LOT 4 BOOK 303 PAGE 99 AND INT IN COMMON AREA
Legal Subdivision	TRACT NO. 16199
Legal Tract	16199
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2004
Census Tract	819

Owner

1320 Judy Ln is owner-occupied and held in a trust since July 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	1320 JUDY LN, UPLAND, CA 91784-9271
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Sep 26, 2025	Intrafamily Transfer, Transfer
Jan 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Jul 13, 2018	Grant Deed, Transfer · Conventional Mortgage ETHOS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	Dec 28, 2012
Deed Document Number	2018254573
Prior Transfer Date	Dec 18, 2012
Prior Transfer Doc	0000554442
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 26, 2025
Property Address	1320 JUDY LN, UPLAND, CA 91784-9271
Document Number	0000232826
Map Reference	MB 303-99 OPG 102
Instrument Date	Sep 25, 2025
Instrument	2025-0232826
Transaction Type	Transfer
Record Updated	Oct 14, 2025

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
Address	1320 JUDY LN, UPLAND, CA 91784-9271

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1320 JUDY LN, UPLAND, CA 91784-9271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025412
Date	Jan 22, 2020
Instrument	2020-0025412

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 13, 2018
Property Address	1320 JUDY LN, UPLAND, CA 91784-9271
Document Number	0000254573
Map Reference	MB 303-399 PG 102
Instrument Date	Jun 19, 2018
Instrument	2018-0254573
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount on Record
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	1320 JUDY LN, UPLAND, CA 91784-9271

Mortgage

Document Number	0000254574
Date	Jul 13, 2018
Instrument	2018-0254574

Lender

Name	ETHOS LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1320 Judy Ln was $11,408.

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		$774,735 (+2%) Land $271,157 Building $503,578
2025	$11,408.00 Homeowner's exemption	$759,544 Land $265,840 Building $493,704
2023	$10,828.00 (-3%) Homeowner's exemption	$730,050 Land $255,517 Building $474,533
2022	$11,163.00

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

Flood

FEMA maps place 1320 Judy Ln 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

Wildfire risk around 1320 Judy Ln 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 99.8% of the US · lower than 99.8% 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	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 471 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

May also be available: GeoLinks, Verizon.

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