202 E Spruce St, Ontario, CA 91761 Property Records

San Bernardino County property record for 202 E Spruce St, Ontario, CA 91761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,225 sqft · built 1974
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (Sep 1997)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1050-571-13-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-571-13-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,225 sqft Living Area
Gross Area	2,145 sqft
1st Floor Area	1,225 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	920 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio/Porch
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	202 E SPRUCE ST
City	ONTARIO
State	CA
Zip	91761-5364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 8729 LOT 6
Legal Subdivision	TRACT NO 8729
Legal Tract	8729
Legal Block	3
Legal Lot Number	6
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3006
Census Tract	1810

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	202 E SPRUCE ST, ONTARIO, CA 91761-5364
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Feb 15, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 1997 · Amount on Record
Deed Sale	Sep 29, 1997 · Amount on Record
Prior Sale	Jul 8, 1997 · Amount on Record
Deed Document Number	1997355812
Last Transfer Date	Feb 9, 2018
Transfer Doc	0000057204
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	202 E SPRUCE ST, ONTARIO, CA 91761-5364
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	USA NATIONAL TITLE COMPANY, USA NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 E SPRUCE ST, ONTARIO, CA 91761-5364

Mortgage

Document Number	0000340264
Date	Jul 28, 2021
Instrument	2021-0340264

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	202 E SPRUCE ST, ONTARIO, CA 91761-5364
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 E SPRUCE ST, ONTARIO, CA 91761-5364

Mortgage

Document Number	0000401279
Date	Oct 19, 2020
Instrument	2020-0401279

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 15, 2018
Property Address	202 E SPRUCE ST, ONTARIO, CA 91761-5364
Document Number	0000057204
Map Reference	MB 117 PG 83-86
Instrument Date	Feb 9, 2018
Instrument	2018-0057204
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	USA NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 E SPRUCE ST, ONTARIO, CA 91761-5364

Mortgage

Document Number	0000057205
Date	Feb 15, 2018
Instrument	2018-0057205

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$251,907 (+2%) Land $85,197 Building $166,710
2025	$2,650.00 (+5.41%) Homeowner's exemption	$246,967 (+4.04%) Land $83,526 Building $163,441
2023	$2,514.00 (+1.41%) Homeowner's exemption	$237,376 Land $80,282 Building $157,094
2022	$2,479.00

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, T-Mobile.

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