4045 E Heritage Ln, Ontario, CA 91761 Property Records

San Bernardino County property record for 4045 E Heritage Ln, Ontario, CA 91761

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 3 ba · 2,937 sqft · built 2017
Lot Size	0.135 acres (5,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$563,000 (Nov 2017)
Tax Bill	$6,365 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0218-931-78-0000`

Property Details

APN / Parcel Number

Primary APN	`0218-931-78-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,937 sqft Living Area
Gross Area	3,529 sqft
1st Floor Area	1,424 sqft
2nd Floor Area	1,513 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	5,880 sqft (0.135 acres)
Lot Dimensions	98 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4045 E HERITAGE LN
City	ONTARIO
State	CA
Zip	91761-2639
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	TRACT 17560 LOT 14 BOOK 326 PAGE 59 AND INT IN COMMON AREA
Legal Subdivision	TRACT NO 17560
Legal Tract	17560
Legal Block	3
Legal Lot Number	14
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3000
Census Tract	1906

Owner

Source: San Bernardino County records, as of September 9, 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	4045 E HERITAGE LN, ONTARIO, CA 91761-2639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jan 28, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 13, 2017	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on Record
Deed Sale	Nov 13, 2017 · Amount on Record
Deed Document Number	2017476023
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 27, 2026
Property Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639
Document Number	0000225662
Instrument Date	Jul 21, 2026
Instrument	2026225662
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639

Mortgage

Document Number	0000225662,
Date	Aug 27, 2026
Instrument	2026225662

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639

Mortgage

Document Number	0000036303
Date	Jan 28, 2022
Instrument	2022-0036303

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639

Mortgage

Document Number	0000510667
Date	Dec 15, 2020
Instrument	2020-0510667

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Nov 13, 2017
Property Address	4045 E HERITAGE LN, ONTARIO, CA 91761-2639
Document Number	0000476023
Map Reference	MAP326 PG59-62
Instrument Date	Oct 16, 2017
Instrument	2017-0476023
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE

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	4045 E HERITAGE LN, ONTARIO, CA 91761-2639

Mortgage

Document Number	0000476024
Date	Nov 13, 2017
Instrument	2017-0476024

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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		$653,411 (+2%) Land $226,316 Building $427,095
2025	$6,365.00 (+1.74%) Disabled Person's exemption	$640,599 (+4.04%) Land $221,878 Building $418,721
2023	$6,256.00 (-0.41%) Disabled Person's exemption	$615,724 Land $213,262 Building $402,462
2022	$6,282.00

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% 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 525 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Inyo Networks.

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