406 W James St, Rialto, CA 92376 Property Records

San Bernardino County property record for 406 W James St, Rialto, CA 92376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 1986
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (Jun 2017)
Tax Bill	$5,557 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0131-153-18-0000`

Property Details

APN / Parcel Number

Primary APN	`0131-153-18-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
Gross Area	2,366 sqft
1st Floor Area	1,736 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	8,000 sqft (0.184 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	540 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 W JAMES ST
City	RIALTO
State	CA
Zip	92376-6977
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 12843 LOT 20
Legal Subdivision	TRACT NO. 12843
Legal Tract	12843
Legal Block	1
Legal Lot Number	20
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1014
Census Tract	3607

Owner

406 W James St is owned and occupied by two individuals who bought it in June 2017.

Source: San Bernardino County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 W JAMES ST, RIALTO, CA 92376-6977
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 1, 2024	Deed of Trust, Mortgage · VA Mortgage GOODLEAP LC
Apr 25, 2022	Deed of Trust, Mortgage · VA Mortgage PURPOSE FUNDING INC
Aug 14, 2017	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Jun 21, 2017	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2017 · Amount on File
Deed Sale	Jun 21, 2017 · Amount on File
Prior Sale	Aug 12, 2010 · Amount on File
Deed Document Number	2017253796
Prior Transfer Date	Aug 11, 2010
Prior Transfer Doc	0000328957
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 26, 2026
Property Address	406 W JAMES ST, RIALTO, CA 92376-6977
Document Number	0000164435
Instrument Date	Jun 20, 2026
Instrument	2026164435
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	406 W JAMES ST, RIALTO, CA 92376-6977

Mortgage

Document Number	0000164435,
Date	Jun 26, 2026
Instrument	2026164435

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	406 W JAMES ST, RIALTO, CA 92376-6977
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 W JAMES ST, RIALTO, CA 92376-6977

Mortgage

Document Number	0000100861
Date	May 1, 2024
Instrument	2024-0100861

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	406 W JAMES ST, RIALTO, CA 92376-6977
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 W JAMES ST, RIALTO, CA 92376-6977

Mortgage

Document Number	0000154357
Date	Apr 25, 2022
Instrument	2022-0154357

Lender

Name	PURPOSE FUNDING INC
Type	Non-Lending Institution
Address	LAGUNA NIGUEL, CA 92677

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	406 W JAMES ST, RIALTO, CA 92376-6977
Document Number	0000338432
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 4, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 W JAMES ST RIALTO CA 923766977, RIALTO, CA 92376-6977

Mortgage

Document Number	0000338432
Date	Aug 18, 2017
Instrument	338432

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jun 21, 2017
Property Address	406 W JAMES ST, RIALTO, CA 92376-6977
Document Number	0000253796
Map Reference	MP177 PG35&36
Instrument Date	May 15, 2017
Instrument	2017-0253796
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	406 W JAMES ST, RIALTO, CA 92376-6977

Mortgage

Document Number	0000253797
Date	Jun 21, 2017
Instrument	2017-0253797

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 406 W James St was $5,557.

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Rialto City
Unified School District	Rialto Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$416,696 (+2%) Land $104,174 Building $312,522
2025	$5,557.00	$408,525 Land $102,131 Building $306,394
2023	$5,683.00 (+7.84%)	$392,661 Land $98,165 Building $294,496
2022	$5,270.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 406 W James St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 406 W James St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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	CITY OF RIALTO serves 59,264 people · EPA ID CA3610038
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
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 503 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

Nearby Properties on W James St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures