186 Orchard Ln, Upland, CA 91786 Property Records

San Bernardino County property record for 186 Orchard Ln, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1951
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jan 2012)
Tax Bill	$3,690 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1047-046-07-0000`

Property Details

APN / Parcel Number

Primary APN	`1047-046-07-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Family Room	Family Room

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,500 sqft (0.149 acres)
Garage Type	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	186 ORCHARD LN
City	UPLAND
State	CA
Zip	91786-6558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3639 LOT 14
Legal Subdivision	BI 3639
Legal Tract	3639
Legal Block	1
Legal Lot Number	14
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1011
Census Tract	826

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	186 ORCHARD LN, UPLAND, CA 91786-6558
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2012 · Amount on Record
Deed Sale	Jan 11, 2012 · Amount on Record
Prior Sale	Sep 14, 2011 · Amount on Record
Deed Document Number	201211851
Prior Transfer Date	Aug 16, 2011
Prior Transfer Doc	0000387057
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	186 ORCHARD LN, UPLAND, CA 91786-6558
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1329 W 56TH ST, LOS ANGELES, CA 90037-3407

Mortgage

Document Number	0000193126
Date	Aug 14, 2025
Instrument	2025-0193126

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	186 ORCHARD LN, UPLAND, CA 91786-6558
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 ORCHARD LN, UPLAND, CA 91786-6558
Investor	Possibly a Property Investor

Mortgage

Document Number	0000134040
Date	Mar 24, 2021
Instrument	2021-0134040

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	186 ORCHARD LN, UPLAND, CA 91786-6558
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037218
Date	Jan 31, 2020
Instrument	2020-0037218

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

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		$331,196 (+2%) Land $105,057 Building $226,139
2025	$3,690.00 (+4.86%)	$324,702 (+4.04%) Land $102,997 Building $221,705
2023	$3,519.00 (+2.21%)	$312,093 Land $98,997 Building $213,096
2022	$3,443.00

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 529 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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