186 W 20th St, Upland, CA 91784 Property Records

San Bernardino County property record for 186 W 20th St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,130 sqft · built 2013
Lot Size	0.351 acres (15,300 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,800,000 (Sep 2026)
Tax Bill	$14,043 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1044-051-17-0000`

Property Details

APN / Parcel Number

Primary APN	`1044-051-17-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,130 sqft Living Area
Gross Area	3,792 sqft
1st Floor Area	3,130 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	15,300 sqft (0.351 acres)
Lot Dimensions	180 ft deep x 85 ft wide
View / Lot	Highway
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	243 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	186 W 20TH ST
City	UPLAND
State	CA
Zip	91784-8221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16989 LOT 10 BOOK 336 PAGE 49
Legal Subdivision	TRACT 16989
Legal Tract	16989
Legal Block	4
Legal Lot Number	10
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	4
Census Block	4007
Census Tract	814

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	186 W 20TH ST, UPLAND, CA 91784-8221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING
Mar 16, 2023	Grant Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	Mar 16, 2023 · Amount on Record
Deed Document Number	2026251147
Prior Transfer Date	Dec 12, 2013
Prior Transfer Doc	0000024423
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 28, 2026
Property Address	186 W 20TH ST, UPLAND, CA 91784-8221
Document Number	0000251147
Instrument Date	Aug 21, 2026
Instrument	2026251147
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	MONARCH LAND TITLE INC, MONARCH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	186 W 20TH ST, UPLAND, CA 91784-8221

Mortgage

Document Number	0000251148,
Date	Sep 28, 2026
Instrument	2026251148

Lender

Name	CORNERSTONE HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Mar 16, 2023
Property Address	186 W 20TH ST, UPLAND, CA 91784-8221
Document Number	0000062783
Map Reference	MB 336 PG 49-51
Instrument Date	Mar 15, 2023
Instrument	2023-0062783
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	NOT AVAILABLE, TITLE FORWARD OF CALIFORNIA

Transaction

Amount	Amount Recorded
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	Family Trust
Address	186 W 20TH ST, UPLAND, CA 91784-8221

Mortgage

Document Number	0000062784
Date	Mar 16, 2023
Instrument	2023-0062784

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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		$1,315,170 (+2%) Land $319,689 Building $995,481
2025	$14,043.00 (+54.62%) Homeowner's exemption	$1,289,383 (+53.27%) Land $313,421 Building $975,962
2023	$9,082.00 (+2.21%) Homeowner's exemption	$841,268 Land $236,831 Building $604,437
2022	$8,886.00

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
Nearby Flood Claims	4 (1980–1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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	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 285 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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