4076 E Cottage Way, Ontario, CA 91761 Property Records

San Bernardino County property record for 4076 E Cottage Way, Ontario, CA 91761

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2.5 ba · 1,379 sqft · built 2010
Lot Size	0.046 acres (2,015 sqft)
Owner	Individual Name on File
Last Sale	$294,000 (May 2010)
Tax Bill	$5,372 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0218-952-45-0000`

Property Details

APN / Parcel Number

Primary APN	`0218-952-45-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,379 sqft Living Area
Gross Area	1,826 sqft
1st Floor Area	519 sqft
2nd Floor Area	860 sqft
Family Room	Family Room

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,015 sqft (0.046 acres)
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4076 E COTTAGE WAY
City	ONTARIO
State	CA
Zip	91761-2682
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	TRACT 17563 LOT 45 BOOK 328 PAGE 1 AND INT IN COMMON AREA
Legal Subdivision	TRACT NO 17563
Legal Tract	17563
Legal Block	3
Legal Lot Number	45
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3006
Census Tract	1906

Owner

4076 E Cottage Way, a planned unit development, is owned and occupied by an individual who bought it in May 2010.

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

Owner of Record	Individual Name on File
Mailing Address	4076 E COTTAGE WAY, ONTARIO, CA 91761-2682
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Dec 28, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 29, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2010 · Amount on File
Deed Sale	May 28, 2010 · Amount on File
Deed Document Number	2010214388
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4076 E COTTAGE WAY, ONTARIO, CA 91761-2682
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 E COTTAGE WAY, ONTARIO, CA 91761-2682

Mortgage

Document Number	0000528212
Date	Dec 28, 2020
Instrument	2020-0528212

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4076 E COTTAGE WAY, ONTARIO, CA 91761-2682
Document Number	0000470585
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 E COTTAGE WAY ONTARIO CA 917612682, ONTARIO, CA 91761-2682

Mortgage

Document Number	0000470585
Date	Dec 20, 2019
Instrument	470585

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4076 E Cottage Way was $5,372 with a homeowner's exemption.

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		$386,809 (+2%) Land $135,615 Building $251,194
2025	$5,372.00 Homeowner's exemption	$379,225 Land $132,956 Building $246,269
2023	$5,234.00 (+0.91%) Homeowner's exemption	$364,499 Land $127,793 Building $236,706
2022	$5,187.00

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

Flood

FEMA maps place 4076 E Cottage Way 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 4076 E Cottage Way 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 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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