3865 Montecito St, San Bernardino, CA 92407 Property Records

San Bernardino County property record for 3865 Montecito St, San Bernardino, CA 92407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,172 sqft · built 1993
Lot Size	0.175 acres (7,630 sqft)
Owner	2 Company Names on Record
Last Sale	$520,000 (Apr 2025)
Tax Bill	$6,694 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0266-731-31-0000`

Property Details

APN / Parcel Number

Primary APN	`0266-731-31-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,172 sqft Living Area
Gross Area	1,781 sqft
1st Floor Area	1,172 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	7,630 sqft (0.175 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	109 sqft
Patio Area	109 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3865 MONTECITO ST
City	SAN BERNARDINO
State	CA
Zip	92407-4197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 14253 LOT 31
Legal Subdivision	TRACT NO 14253
Legal Tract	14253
Legal Block	3
Legal Lot Number	31
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	2 Company Names on Record
Mailing Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Line of Credit ARROWHEAD CU
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ONY GLO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Prior Sale	May 26, 2006 · Amount on Record
Deed Document Number	202578887
Last Transfer Date	Aug 1, 2025
Transfer Doc	0000183310
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197
Transaction Type	Mortgage
Record Updated	Apr 22, 2024
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 MONTECITO ST, DEVORE HEIGHTS, CA 92407-4197

Mortgage

Document Number	0000078724
Date	Apr 9, 2024
Instrument	2024-0078724

Lender

Name	ARROWHEAD CU
Type	Credit Union
Address	RANCHO CUCAMONGA, CA 91729

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197

Mortgage

Document Number	0000522884
Date	Nov 18, 2021
Instrument	2021-0522884

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197

Mortgage

Document Number	0000110433
Date	Mar 10, 2021
Instrument	2021-0110433

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 21, 2020
Property Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197
Document Number	0000062787
Map Reference	MB 237 PG 56&57
Instrument Date	Feb 5, 2020
Instrument	2020-0062787
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Relationship	Joint Tenants
Address	3865 MONTECITO ST, SAN BERNARDINO, CA 92407-4197

Mortgage

Document Number	0000062788
Date	Feb 21, 2020
Instrument	2020-0062788

Lender

Name	ONY GLO INC
Type	Mortgage Company

Agreement

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

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		$530,400 (+3.42%) Land $173,400 Building $357,000
2025	$6,694.00 (+4.86%)	$512,859 (+4.04%) Land $153,858 Building $359,001
2023	$6,384.00 (+9.07%)	$492,944 Land $147,883 Building $345,061
2022	$5,853.00

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	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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