15639 Cole Point Ln, Fontana, CA 92336 Property Records

San Bernardino County property record for 15639 Cole Point Ln, Fontana, CA 92336

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 3,307 sqft · built 2006
Lot Size	0.257 acres (11,182 sqft)
Owner	2 Individual Names on File
Last Sale	$785,000 (Jan 2022)
Tax Bill	$10,710 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1108-322-01-0000`

Property Details

APN / Parcel Number

Primary APN	`1108-322-01-0000`
Alternative APN	`0226942010000`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,307 sqft Living Area
Gross Area	3,995 sqft
1st Floor Area	1,634 sqft
2nd Floor Area	1,673 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	11,182 sqft (0.257 acres)
View / Lot	Apt/Condo Complex
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15639 COLE POINT LN
City	FONTANA
State	CA
Zip	92336-4559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16427-3 LOT 1 BOOK 297 PAGE 54 (AMENDED TRACT 16427-3 REC BK 300 PGS 93-98 LOT 1) AND INT IN COMMON AREA
Legal Subdivision	LOT OF TRACT NO. 164273
Legal Tract	16427-3
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	2
Census Block	2000
Census Tract	2315

Owner

15639 Cole Point Ln is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	15639 COLE POINT LN, FONTANA, CA 92336-4559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 5, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Oct 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 14, 2022	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on File
Deed Sale	Jan 14, 2022 · Amount on File
Prior Sale	Oct 23, 2006 · Amount on File
Deed Document Number	202219137
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 5, 2026
Property Address	15639 COLE POINT LN, FONTANA, CA 92336-4559
Document Number	0000114136
Instrument Date	Apr 27, 2026
Instrument	2026114136
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	15639 COLE POINT LN, FONTANA, CA 92336-4559

Mortgage

Document Number	0000114136,
Date	May 5, 2026
Instrument	2026114136

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	15639 COLE POINT LN, FONTANA, CA 92336-4559
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15639 COLE POINT LN, FONTANA, CA 92336-4559

Mortgage

Document Number	0000348330
Date	Oct 20, 2022
Instrument	2022-0348330

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 14, 2022
Property Address	15639 COLE POINT LN, FONTANA, CA 92336-4559
Document Number	0000019137
Map Reference	MB 300 PG 93-98
Instrument Date	Jan 10, 2022
Instrument	2022-0019137
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	CHICAGO TITLE COMPANY

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	15639 COLE POINT LN, FONTANA, CA 92336-4559

Mortgage

Document Number	0000019138
Date	Jan 14, 2022
Instrument	2022-0019138

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 15639 Cole Point Ln was $10,710.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$849,711 (+2%) Land $212,428 Building $637,283
2025	$10,710.00 Homeowner's exemption	$833,050 Land $208,263 Building $624,787
2023	$9,299.00 (+1.38%) Homeowner's exemption	$800,700 Land $200,175 Building $600,525
2022	$9,172.00

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

Flood

FEMA maps place 15639 Cole Point 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

The area around 15639 Cole Point Ln 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	SAN GABRIEL VALLEY WC - FONTANA private · serves 228,270 people · EPA ID CA3610041
Water Source	Surface water
Last State Inspection	Apr 2022
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. 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 607 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Frontier, GeoLinks.

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