4098 E Cottage Paseo, Ontario, CA 91761 Property Records

San Bernardino County property record for 4098 E Cottage Paseo, Ontario, CA 91761

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 3 ba · 1,948 sqft · built 2010
Lot Size	0.069 acres (2,992 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Dec 2019)
Tax Bill	$6,593 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0218-952-42-0000`

Property Details

APN / Parcel Number

Primary APN	`0218-952-42-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,948 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	842 sqft
2nd Floor Area	1,106 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	2,992 sqft (0.069 acres)
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4098 E COTTAGE PASEO
City	ONTARIO
State	CA
Zip	91761-2680
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	TRACT 17563 LOT 42 BOOK 328 PAGE 1 AND INT IN COMMON AREA
Legal Subdivision	TRACT NO 17563
Legal Tract	17563
Legal Block	3
Legal Lot Number	42
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3006
Census Tract	1906

Owner

4098 E Cottage Paseo, a planned unit development, is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680
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
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Mar 29, 2019	Deed of Trust, Mortgage · ARM PMAC LENDING SERVICES INC
Dec 23, 2019	Grant Deed, Transfer · FHA Mortgage DATA MORTGAGE INC
Mar 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2019 · Amount on File
Deed Sale	Dec 23, 2019 · Amount on File
Prior Sale	Apr 15, 2014 · Amount on File
Deed Document Number	2019473840
Prior Transfer Date	Mar 1, 2019
Prior Transfer Doc	0000076958
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 17, 2026
Property Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680
Document Number	0000099523
Instrument Date	Apr 12, 2026
Instrument	202699523
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680

Mortgage

Document Number	0000099523,
Date	Apr 17, 2026
Instrument	202699523

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WESTMINSTER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096084
Date	Mar 29, 2019
Instrument	2019-0096084

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	11.7%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 23, 2019
Property Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680
Document Number	0000473840
Map Reference	MB 328 PG 1-4
Instrument Date	Apr 25, 2019
Instrument	2019-0473840
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680

Mortgage

Document Number	0000473841
Date	Dec 23, 2019
Instrument	2019-0473841

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Mar 13, 2019
Property Address	4098 E COTTAGE PASEO, ONTARIO, CA 91761-2680
Document Number	0000076958
Instrument Date	Mar 1, 2019
Instrument	76958
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1222 S RAMONA ST SAN GABRIEL CA 917763224, SAN GABRIEL, CA 91776-3224

Tax Assessment & Valuation

The 2025 property tax bill for 4098 E Cottage Paseo was $6,593.

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		$496,406 (+2%) Land $172,906 Building $323,500
2025	$6,593.00	$486,673 Land $169,516 Building $317,157
2023	$6,394.00 (+0.95%)	$467,774 Land $162,933 Building $304,841
2022	$6,334.00

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

Flood

FEMA maps place 4098 E Cottage Paseo 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 4098 E Cottage Paseo 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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