208 E Spruce St, Ontario, CA 91761 Property Records

San Bernardino County property record for 208 E Spruce St, Ontario, CA 91761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,125 sqft · built 1974
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2015)
Tax Bill	$9,173 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Feb 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`1050-571-14-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-571-14-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
Gross Area	1,605 sqft
1st Floor Area	1,125 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Modern
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
View / Lot	Average
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	208 E SPRUCE ST
City	ONTARIO
State	CA
Zip	91761-5364
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8729 LOT 7
Legal Tract	8729
Legal Block	3
Legal Lot Number	7
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3006
Census Tract	1810

Owner

Source: San Bernardino County assessment roll, 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 File
Mailing Address	208 E SPRUCE ST, ONTARIO, CA 91761-5364
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 25, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 12, 2015 · Amount on Record
Deed Sale	Jun 12, 2015 · Amount on Record
Prior Sale	Oct 22, 2009 · Amount on Record
Deed Document Number	2015245150
Prior Transfer Date	Jan 26, 1995
Prior Transfer Doc	0000028517
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	208 E SPRUCE ST, ONTARIO, CA 91761-5364
Document Number	0000088483
Instrument Date	Feb 25, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E SPRUCE ST ONTARIO CA 917615364, ONTARIO, CA 91761-5364

Mortgage

Document Number	0000088483
Date	Mar 22, 2019
Instrument	88483

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	208 E SPRUCE ST, ONTARIO, CA 91761-5364
Document Number	0000094985
Instrument Date	Feb 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E SPRUCE ST ONTARIO CA 917615364, ONTARIO, CA 91761-5364

Mortgage

Document Number	0000094985
Date	Mar 28, 2019
Instrument	94985

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2049

Interest

Rate	4.62%

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		$416,801 (+2%) Land $145,880 Building $270,921
2025	$9,173.00 (+2.51%) Homeowner's exemption	$408,629 (+4.04%) Land $143,020 Building $265,609
2023	$8,948.00 (+0.64%) Homeowner's exemption	$392,762 Land $137,467 Building $255,295
2022	$8,891.00

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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