140 Spencer Ave, Upland, CA 91786 Property Records

San Bernardino County property record for 140 Spencer Ave, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1963
Lot Size	0.169 acres (7,375 sqft)
Owner	Company Name on Record
Last Sale	$119,000 (Mar 1999)
Tax Bill	$2,208 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Jun 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1007-611-06-0000`

Property Details

APN / Parcel Number

Primary APN	`1007-611-06-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,686 sqft
1st Floor Area	1,200 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	7,375 sqft (0.169 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	344 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	140 SPENCER AVE
City	UPLAND
State	CA
Zip	91786-6243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 6666 LOT 40
Legal Subdivision	TRACT NO 6666
Legal Tract	6666
Legal Block	1
Legal Lot Number	40
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1001
Census Tract	825

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	Company Name on Record
Mailing Address	140 SPENCER AVE, UPLAND, CA 91786-6243
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CLEARPATH FCU
Jun 15, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jun 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CLEARPATH FCU
Jul 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 1999 · Amount on Record
Deed Sale	Mar 1, 1999 · Amount on Record
Deed Document Number	199983714
Last Transfer Date	Jun 9, 2021
Transfer Doc	0000272596
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	140 SPENCER AVE, UPLAND, CA 91786-6243
Transaction Type	Mortgage
Record Updated	May 17, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 SPENCER AVE, UPLAND, CA 91786-6243

Mortgage

Document Number	0000099261
Date	Apr 26, 2023
Instrument	2023-0099261

Lender

Name	CLEARPATH FCU
Type	Credit Union
Address	BURBANK, CA 91502

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2038

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 15, 2021
Property Address	140 SPENCER AVE, UPLAND, CA 91786-6243
Document Number	0000272598
Map Reference	MB 88 PG 1-3
Instrument Date	Jun 9, 2021
Instrument	2021-0272598
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

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	Revocable Living Trust
Address	140 SPENCER AVE, UPLAND, CA 91786-6243

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 15, 2021
Property Address	140 SPENCER AVE, UPLAND, CA 91786-6243
Document Number	0000272596
Map Reference	MB 88 PG 1-3
Instrument Date	Jun 9, 2021
Instrument	2021-0272596
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	140 SPENCER AVE, UPLAND, CA 91786-6243

Mortgage

Document Number	0000272597
Date	Jun 15, 2021
Instrument	2021-0272597

Lender

Name	CLEARPATH FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	140 SPENCER AVE, UPLAND, CA 91786-6243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000276356
Date	Jul 6, 2017
Instrument	2017-0276356

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	140 SPENCER AVE, UPLAND, CA 91786-6243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399831
Date	Sep 27, 2017
Instrument	2017-0399831

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2047

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	Upland City
Unified School District	Upland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$190,289 (+2%) Land $71,956 Building $118,333
2025	$2,208.00 (+4.94%) Homeowner's exemption	$186,558 (+4.04%) Land $70,545 Building $116,013
2023	$2,104.00 (+2.24%) Homeowner's exemption	$179,314 Land $67,806 Building $111,508
2022	$2,058.00

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	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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