4079 E Cottage Way, Ontario, CA 91761 Property Records

San Bernardino County property record for 4079 E Cottage Way, Ontario, CA 91761

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2 ba · 1,898 sqft · built 2013
Lot Size	0.094 acres (4,074 sqft)
Owner	2 Company Names on Record
Last Sale	$485,000 (Dec 2020)
Tax Bill	$7,001 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0218-933-07-0000`

Property Details

APN / Parcel Number

Primary APN	`0218-933-07-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,898 sqft Living Area
Gross Area	2,444 sqft
1st Floor Area	892 sqft
2nd Floor Area	1,006 sqft
Family Room	Family Room

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	4,074 sqft (0.094 acres)
Lot Dimensions	97 ft deep x 42 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4079 E COTTAGE WAY
City	ONTARIO
State	CA
Zip	91761-2682
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	TRACT 18789 LOT 7 BOOK 335 PAGE 43 AND INT IN COMMON AREA
Legal Subdivision	TRACT NO 18789
Legal Tract	18789
Legal Block	3
Legal Lot Number	7
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 July 14, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Sep 13, 2024	Intrafamily Transfer, Transfer
Dec 7, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 28, 2019	Deed of Trust, Mortgage · VA Mortgage STATEWIDE BANCORP
Jun 13, 2018	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Document Number	2020495196
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 5, 2026
Property Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682
Document Number	0000114141
Instrument Date	Apr 1, 2026
Instrument	2026114141
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682

Mortgage

Document Number	0000114141,
Date	May 5, 2026
Instrument	2026114141

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2066

Interest

Rate	6%
Max Rate	-1%

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 13, 2024
Property Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682
Document Number	0000219794
Map Reference	MB 335 PG 43-47
Instrument Date	Aug 14, 2024
Instrument	2024-0219794
Transaction Type	Transfer
Record Updated	Oct 29, 2025

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	Family Revocable Trust
Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 7, 2020
Property Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682
Document Number	0000495196
Map Reference	MB 335 PG 43-47
Instrument Date	Nov 4, 2020
Instrument	2020-0495196
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	WFG TITLE COMPANY

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	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682

Mortgage

Document Number	0000495197
Date	Dec 7, 2020
Instrument	2020-0495197

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682
Document Number	0000068397
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4079 E COTTAGE WAY ONTARIO CA 917612682, ONTARIO, CA 91761-2682

Mortgage

Document Number	0000068397
Date	Mar 5, 2019
Instrument	68397

Lender

Name	STATEWIDE BANCORP
Type	Funding / Finance Company
Address	ONTARIO, CA 91764

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4079 E COTTAGE WAY, ONTARIO, CA 91761-2682
Document Number	0000222072
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	CHICAGO TITLE COMPANY-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4079 E COTTAGE WAY ONTARIO CA 917612682, ONTARIO, CA 91761-2682

Mortgage

Document Number	0000222072
Date	Jun 19, 2018
Instrument	222072

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

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		$535,479 (+2%) Land $187,693 Building $347,786
2025	$7,001.00 (+4.37%)	$524,980 (+4.04%) Land $184,013 Building $340,967
2023	$6,708.00 (+0.98%) Homeowner's exemption	$504,594 (+2%) Land $176,868 Building $327,726
2022	$6,643.00 Homeowner's exemption	$494,700 Land $173,400 Building $321,300

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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