3804 Montecito St, San Bernardino, CA 92407 Property Records

San Bernardino County property record for 3804 Montecito St, San Bernardino, CA 92407

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,515 sqft · built 1993
Lot Size	0.245 acres (10,658 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (May 1999)
Tax Bill	$2,916 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0266-731-40-0000`

Property Details

APN / Parcel Number

Primary APN	`0266-731-40-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
Gross Area	2,124 sqft
1st Floor Area	1,515 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	10,658 sqft (0.245 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	39 sqft
Patio Area	39 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3804 MONTECITO ST
City	SAN BERNARDINO
State	CA
Zip	92407-4194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 14253 LOT 40
Legal Subdivision	TRACT NO. 14253
Legal Tract	14253
Legal Block	3
Legal Lot Number	40
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	3
Census Block	3002
Census Tract	4603

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	3804 MONTECITO ST, SAN BERNARDINO, CA 92407-4194
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 1999 · Amount on Record
Deed Sale	May 7, 1999 · Amount on Record
Prior Sale	Jul 28, 1994 · Amount on Record
Deed Document Number	1999196662
Last Transfer Date	Oct 6, 2021
Transfer Doc	0000463411
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	3804 MONTECITO ST, SAN BERNARDINO, CA 92407-4194
Transaction Type	Mortgage
Record Updated	Apr 25, 2022
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 MONTECITO ST, SAN BERNARDINO, CA 92407-4194

Mortgage

Document Number	0000136537
Date	Apr 12, 2022
Instrument	2022-0136537

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 12, 2021
Property Address	3804 MONTECITO ST, SAN BERNARDINO, CA 92407-4194
Document Number	0000463411
Map Reference	MB 237 PG 56&57
Instrument Date	Oct 6, 2021
Instrument	2021-0463411
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE 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	3804 MONTECITO ST, SAN BERNARDINO, CA 92407-4194

Mortgage

Document Number	0000463412
Date	Oct 12, 2021
Instrument	2021-0463412

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	3804 MONTECITO ST, SAN BERNARDINO, CA 92407-4194
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000445306
Date	Dec 2, 2019
Instrument	2019-0445306

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

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	San Bernardino City
Unified School District	San Bernardino City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$212,679 (+2%) Land $53,170 Building $159,509
2025	$2,916.00 (+5.12%)	$208,508 (+4.04%) Land $52,127 Building $156,381
2023	$2,774.00 (-0.14%)	$200,412 (+2%) Land $50,103 Building $150,309
2022	$2,778.00	$196,483 Land $49,121 Building $147,362

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	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.02% 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	SAN BERNARDINO CITY serves 214,665 people · EPA ID CA3610039
Water Source	Groundwater
Last State Inspection	Jul 2021
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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: GeoLinks, Verizon.

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