196 Spencer Ave, Upland, CA 91786 Property Records

San Bernardino County property record for 196 Spencer Ave, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1963
Lot Size	0.171 acres (7,460 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Aug 2020)
Tax Bill	$5,549 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1007-611-01-0000`

Property Details

APN / Parcel Number

Primary APN	`1007-611-01-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	1,242 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Modern
Exterior Material	Block
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,460 sqft (0.171 acres)
Lot Width	2 ft Width
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	248 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	196 SPENCER AVE
City	UPLAND
State	CA
Zip	91786-6243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 6666 LOT 45
Legal Subdivision	TRACT NO 6666
Legal Tract	6666
Legal Block	1
Legal Lot Number	45
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1001
Census Tract	825

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	196 SPENCER AVE, UPLAND, CA 91786-6243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage MK LENDING CORP
Aug 7, 2020	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2020 · Amount on Record
Deed Sale	Aug 7, 2020 · Amount on Record
Prior Sale	Jun 14, 2007 · Amount on Record
Deed Document Number	2020276624
Prior Transfer Date	Dec 6, 2012
Prior Transfer Doc	0000012775
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	196 SPENCER AVE, UPLAND, CA 91786-6243
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 SPENCER AVE, UPLAND, CA 91786-6243

Mortgage

Document Number	0000029868
Date	Feb 9, 2023
Instrument	2023-0029868

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2038

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	196 SPENCER AVE, UPLAND, CA 91786-6243
Transaction Type	Mortgage
Record Updated	May 10, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 SPENCER AVE, UPLAND, CA 91786-6243

Mortgage

Document Number	0000184518
Date	Apr 21, 2021
Instrument	2021-0184518

Lender

Name	MK LENDING CORP
Type	Mortgage Company
Address	UPLAND, CA 91786

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 7, 2020
Property Address	196 SPENCER AVE, UPLAND, CA 91786-6243
Document Number	0000276624
Map Reference	MB 88 PG 1-3
Instrument Date	Jun 23, 2020
Instrument	2020-0276624
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	WFG NATIONAL TITLE COMPANY

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
Address	196 SPENCER AVE, UPLAND, CA 91786-6243

Mortgage

Document Number	0000276625
Date	Aug 7, 2020
Instrument	2020-0276625

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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		$507,877 (+2%) Land $177,756 Building $330,121
2025	$5,549.00 (+4.86%) Homeowner's exemption	$497,919 (+4.04%) Land $174,271 Building $323,648
2023	$5,292.00 (+2.18%) Homeowner's exemption	$478,584 Land $167,504 Building $311,080
2022	$5,179.00

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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks.

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