305 Spencer Ave, Upland, CA 91786 Property Records

San Bernardino County property record for 305 Spencer Ave, Upland, CA 91786

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 994 sqft · built 1974
Lot Size	0.023 acres (994 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Oct 2025)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1008-681-31-0000`

Property Details

APN / Parcel Number

Primary APN	`1008-681-31-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	994 sqft Living Area
1st Floor Area	994 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	994 sqft (0.023 acres)
View / Lot	Average
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
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	305 SPENCER AVE
City	UPLAND
State	CA
Zip	91786-7022
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TRACT NO 8380 CONDOMINIUM UNIT 125 AND UND 1/134 INTEREST IN COMMON AREA LOT 2 AS DEFINED IN CONDOMINIUM PLAN RECORDED IN BOOK 8030 PAGE 587 O R
Legal Subdivision	OAK LANE
Legal Tract	8380
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2002
Census Tract	825

Owner

Source: San Bernardino County records, as of August 21, 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	305 SPENCER AVE, 125, UPLAND, CA 91786-7022
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY VALLEY MORTGAGE GROUP
Oct 14, 2025	Grant Deed, Transfer · Conventional Mortgage BAY VALLEY MORTGAGE GROUP
Jun 8, 2021	Grant Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Feb 24, 2017	Deed of Trust, Mortgage · FHA Mortgage MOUNTAIN WEST FINANCIAL INC
Aug 27, 2018	Grant Deed, Transfer · Conventional Mortgage CHOICE LENDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Jun 8, 2021 · Amount on Record
Deed Document Number	2025248468
Prior Transfer Date	Feb 13, 2002
Prior Transfer Doc	0000081150
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	305 SPENCER AVE, UPLAND, CA 91786-7022
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 E G ST 127, 127, ONTARIO, CA 91764-4407

Mortgage

Document Number	0000248471
Date	Oct 14, 2025
Instrument	2025-0248471

Lender

Name	BAY VALLEY MORTGAGE GROUP
Type	Mortgage Company
Address	LA MIRADA, CA 90638

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 1, 2055

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 14, 2025
Property Address	305 SPENCER AVE, UPLAND, CA 91786-7022
Document Number	0000248468
Map Reference	MB 111 PG 59-61
Instrument Date	Oct 9, 2025
Instrument	2025-0248468
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	FIRST AMER TTL CO RES DIV

Transaction

Amount	Amount Recorded
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	305 SPENCER AVE, UPLAND, CA 91786-7022

Mortgage

Document Number	0000248469
Date	Oct 14, 2025
Instrument	2025-0248469

Lender

Name	BAY VALLEY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000248470
Date	Oct 14, 2025
Instrument	2025-0248470

Lender

Name	BAY VALLEY MORTGAGE GROUP
Type	Mortgage Company
Address	LA MIRADA, CA 90638

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 1, 2055

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 8, 2021
Property Address	305 SPENCER AVE, UPLAND, CA 91786-7022
Document Number	0000261524
Map Reference	MB 111 PG 59-61
Instrument Date	May 17, 2021
Instrument	2021-0261524
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ORANGE COAST 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
Relationship	Joint Tenants
Address	305 SPENCER AVE # 125, 125, UPLAND, CA 91786-7022

Mortgage

Document Number	0000261525
Date	Jun 8, 2021
Instrument	2021-0261525

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	305 SPENCER AVE, UPLAND, CA 91786-7022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083853
Date	Feb 24, 2017
Instrument	2017-0083853

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company
Address	REDLANDS, CA 92374

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 27, 2018
Property Address	305 SPENCER AVE, UPLAND, CA 91786-7022
Document Number	0000313224
Map Reference	MB 111 PG 59-61
Instrument Date	Jul 30, 2018
Instrument	2018-0313224
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ORANGE COAST 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	305 SPENCER AVE # 125, 125, UPLAND, CA 91786-7022

Mortgage

Document Number	0000313225
Date	Aug 27, 2018
Instrument	2018-0313225

Lender

Name	CHOICE LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2033

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		$435,000 (+5.76%) Land $152,250 Building $282,750
2025	$4,613.00 (+4.84%) Homeowner's exemption	$411,324 (+4.04%) Land $143,963 Building $267,361
2023	$4,400.00 (+2.21%) Homeowner's exemption	$395,352 Land $138,373 Building $256,979
2022	$4,305.00

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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