1413 W Spruce St, Ontario, CA 91762 Property Records

San Bernardino County property record for 1413 W Spruce St, Ontario, CA 91762

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,282 sqft · built 1989
Lot Size	0.414 acres (18,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Jul 2023)
Tax Bill	$11,027 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1014-561-31-0000`

Property Details

APN / Parcel Number

Primary APN	`1014-561-31-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,282 sqft Living Area
Gross Area	2,860 sqft
1st Floor Area	2,282 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	18,016 sqft (0.414 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	1,647 sqft
Patio Area	1,647 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1413 W SPRUCE ST
City	ONTARIO
State	CA
Zip	91762-6044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 13422 LOT 1
Legal Subdivision	TRACT NO 13422
Legal Tract	13422
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3002
Census Tract	1702

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	5111 GAYHURST AVE, BALDWIN PARK, CA 91706-1815
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Grant Deed, Transfer · Commercial Mortgage ALARCON & SONS
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 4, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 17, 2019	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	2023164503
Prior Transfer Date	Jun 15, 2010
Prior Transfer Doc	0000247151
Record Updated	Sep 20, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 5, 2023
Property Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044
Document Number	0000164503
Map Reference	MB 219 PG 64-67
Instrument Date	Jun 21, 2023
Instrument	2023-0164503
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5111 GAYHURST AVE, BALDWIN PARK, CA 91706-1815

Mortgage

Document Number	0000164504
Date	Jul 5, 2023
Instrument	2023-0164504

Lender

Name	ALARCON & SONS
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044

Mortgage

Document Number	0000257577
Date	Jun 7, 2021
Instrument	2021-0257577

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044

Mortgage

Document Number	0000037365
Date	Feb 4, 2019
Instrument	2019-0037365

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063980
Date	Feb 24, 2020
Instrument	2020-0063980

Lender

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

Agreement

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

December 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 17, 2019
Property Address	1413 W SPRUCE ST, ONTARIO, CA 91762-6044
Document Number	0000464144
Instrument Date	Oct 24, 2019
Instrument	464144
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 W SPRUCE ST ONTARIO CA 917626044, ONTARIO, CA 91762-6044

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	Ontario City
Secondary School District	Chaffey Joint Union High School District (09 - 12)
Elementary School District	Ontario-Montclair School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,024,794 (+2%) Land $358,678 Building $666,116
2025	$11,027.00 (+155.61%) Homeowner's exemption	$1,004,700 (+149.25%) Land $351,645 Building $653,055
2023	$4,314.00 (+1.36%) Homeowner's exemption	$403,090 (+2%) Land $159,147 Building $243,943
2022	$4,256.00 Homeowner's exemption	$395,186 Land $156,026 Building $239,160

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	ONTARIO MUNICIPAL UTILITIES COMPANY serves 185,010 people · EPA ID CA3610034
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 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 476 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
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, T-Mobile.

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