1405 Cole Ln, Upland, CA 91784 Property Records

San Bernardino County property record for 1405 Cole Ln, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,964 sqft · built 2005
Lot Size	0.207 acres (9,030 sqft)
Owner	Individual Name on Record
Last Sale	$1,200,000 (Jan 2025)
Tax Bill	$14,500 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1044-761-02-0000`

Property Details

APN / Parcel Number

Primary APN	`1044-761-02-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,964 sqft Living Area
Gross Area	3,567 sqft
1st Floor Area	1,759 sqft
2nd Floor Area	1,205 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	9,030 sqft (0.207 acres)
Garage Type	Attached
Garage Area	603 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1405 COLE LN
City	UPLAND
State	CA
Zip	91784-8066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16207 LOT 2 BOOK 304 PAGE 57 AND INT IN COMMON AREA
Legal Subdivision	TRACT NO 16207
Legal Tract	16207
Legal Block	3
Legal Lot Number	2
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3000
Census Tract	819

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	1405 COLE LN, UPLAND, CA 91784-8066
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Aug 24, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2025 · Amount on Record
Deed Sale	Jan 21, 2025 · Amount on Record
Prior Sale	Mar 10, 2006 · Amount on Record
Deed Document Number	202512276
Prior Transfer Date	Aug 16, 2017
Prior Transfer Doc	0000346146
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1405 COLE LN, UPLAND, CA 91784-8066
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 COLE LN, UPLAND, CA 91784-8066

Mortgage

Document Number	0000222166
Date	Sep 15, 2025
Instrument	2025-0222166

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1405 COLE LN, UPLAND, CA 91784-8066
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 COLE LN, UPLAND, CA 91784-8066

Mortgage

Document Number	0000364783
Date	Aug 13, 2021
Instrument	2021-0364783

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Sep 1, 2034

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1405 COLE LN, UPLAND, CA 91784-8066
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057679
Date	Feb 19, 2020
Instrument	2020-0057679

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 24, 2017
Property Address	1405 COLE LN, UPLAND, CA 91784-8066
Document Number	0000346146
Instrument Date	Aug 16, 2017
Instrument	346146
Transaction Type	Transfer
Record Updated	Sep 4, 2017
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
Relationship	Personal Trust
Address	1405 COLE LN UPLAND CA 917848066, UPLAND, CA 91784-8066

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		$1,224,000 (+25.41%) Land $306,000 Building $918,000
2025	$14,500.00 (+10.29%) Homeowner's exemption	$976,000 (+10.91%) Land $342,000 Building $634,000
2023	$13,147.00 (+1.24%) Homeowner's exemption	$880,000 Land $400,000 Building $480,000
2022	$12,986.00

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	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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