3190 E Sterling St, Ontario, CA 91761 Property Records

San Bernardino County property record for 3190 E Sterling St, Ontario, CA 91761

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 3.5 ba · 3,354 sqft · built 2017
Lot Size	0.114 acres (4,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jan 2023)
Tax Bill	$13,575 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Mar 2018 Loan Modification + 9 more
Flood Zone	Zone X (minimal risk)
APN	`0218-483-15-0000`

Property Details

APN / Parcel Number

Primary APN	`0218-483-15-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,354 sqft Living Area
Gross Area	3,945 sqft
1st Floor Area	1,633 sqft
2nd Floor Area	1,721 sqft
Family Room	Family Room

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	4,950 sqft (0.114 acres)
Garage Type	Attached
Garage Area	591 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	481 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3190 E STERLING ST
City	ONTARIO
State	CA
Zip	91761-3867
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	TRACT 18993 LOT 127 BOOK 343 PAGE 3 AND INT IN COMMON AREA
Legal Subdivision	343M3-9
Legal Tract	18993
Legal Block	3
Legal Lot Number	127
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3028
Census Tract	1906

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	2 Individual Names on Record
Mailing Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Mar 16, 2018	Loan Modification, Mortgage FIRST AMERICAN TITLE
Feb 7, 2018	Loan Modification, Mortgage FIRST AMERICAN TITLE
Dec 19, 2017	Loan Modification, Mortgage FIRST AMERICAN TITLE
Nov 9, 2017	Loan Modification, Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD
Oct 17, 2017	Loan Modification, Mortgage FIRST AMERICAN TITLE
Sep 22, 2017	Loan Modification, Mortgage FIRST AMERICAN TITLE
Nov 7, 2017	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 9, 2017	Loan Modification, Mortgage FIRST AMERICAN TITLE
Jul 20, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE
Jul 18, 2017	Loan Modification, Mortgage FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Nov 7, 2017 · Amount on Record
Deed Document Number	202314387
Record Updated	Sep 20, 2026

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 20, 2023
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000014387
Map Reference	MB 343 PG 3-9
Instrument Date	Dec 30, 2022
Instrument	2023-0014387
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	MONARCH TITLE COMPANY INC, MONARCH 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	3190 E STERLING ST, ONTARIO, CA 91761-3867

Mortgage

Document Number	0000014388
Date	Jan 20, 2023
Instrument	2023-0014388

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000097248
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000057030
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000543675
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000485044
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000433804
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000396811
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Nov 7, 2017
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000470296
Map Reference	MB343 PG3-9
Instrument Date	Sep 20, 2017
Instrument	2017-0470296
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE HSD

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	Community Property with Right of Survivorship
Address	3190 E STERLING ST, ONTARIO, CA 91761-3867

Mortgage

Document Number	0000470297
Date	Nov 7, 2017
Instrument	2017-0470297

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 17, 2047

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000326324
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 20, 2017
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000294361
Instrument Date	Jul 18, 2017
Instrument	294361
Transaction Type	Transfer
Record Updated	Jul 28, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$915.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3200 PARK CENTER DR #10TH COSTA MESA CA 926267163, 10TH, COSTA MESA, CA 92626-7163

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	3190 E STERLING ST, ONTARIO, CA 91761-3867
Document Number	0000294365
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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	Mountain View Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$848,966 (+2%) Land $297,138 Building $551,828
2025	$13,575.00 (+16.62%) Homeowner's exemption	$832,320 (+20.53%) Land $291,312 Building $541,008
2023	$11,640.00 (+0.89%) Homeowner's exemption	$690,543 Land $241,695 Building $448,848
2022	$11,537.00

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

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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 1,030 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
Inyo Networks Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks.

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