415 Oak St, San Bernardino, CA 92401 Property Records

San Bernardino County property record for 415 Oak St, San Bernardino, CA 92401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 880 sqft · built 1895
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jan 2023)
Tax Bill	$5,225 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0136-192-12-0000`

Property Details

APN / Parcel Number

Primary APN	`0136-192-12-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft
Family Room	Family Room

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1950
Architectural Style	Conventional
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 OAK ST
City	SAN BERNARDINO
State	CA
Zip	92401-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WH1TES SUB NO 2 LOT 5
Legal Subdivision	WHITES SUBDIVISION #2
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1057
Census Tract	5701

Owner

415 Oak St is owned by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 310798, FONTANA, CA 92331-0798
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
Jan 4, 2023	Intrafamily Transfer, Transfer TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH
Jan 4, 2023	Grant Deed, Transfer · Conventional Mortgage FLEXPOINT INC
Aug 4, 2022	Grant Deed, Construction Loan · Construction Mortgage FRC VTX ASSETS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2023 · Amount on File
Deed Sale	Jan 4, 2023 · Amount on File
Prior Sale	Aug 4, 2022 · Amount on File
Deed Document Number	20232620
Prior Transfer Date	Dec 30, 2022
Prior Transfer Doc	0000002621
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 4, 2023
Property Address	415 OAK ST, SAN BERNARDINO, CA 92401-2017
Document Number	0000002621
Map Reference	MB 23 PG 31
Instrument Date	Dec 30, 2022
Instrument	2023-0002621
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

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
Address	415 OAK ST, SAN BERNARDINO, CA 92401-2017

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 4, 2023
Property Address	415 OAK ST, SAN BERNARDINO, CA 92401-2017
Document Number	0000002620
Map Reference	MB 23 PG 31
Instrument Date	Dec 29, 2022
Instrument	2023-0002620
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

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	PO BOX 310798, FONTANA, CA 92331-0798

Mortgage

Document Number	0000002622
Date	Jan 4, 2023
Instrument	2023-0002622

Lender

Name	FLEXPOINT INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

August 2022: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 4, 2022
Property Address	415 OAK ST, SAN BERNARDINO, CA 92401-2017
Document Number	0000270352
Map Reference	MB 23 PG 31
Instrument Date	Aug 2, 2022
Instrument	2022-0270352
Transaction Type	Construction Loan
Record Updated	Sep 28, 2023
Title Company	PACIFIC COAST 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	3410 LA SIERRA AVE # F-511, F, RIVERSIDE, CA 92503-5205

Mortgage

Document Number	0000270353
Date	Aug 4, 2022
Instrument	2022-0270353

Lender

Name	FRC VTX ASSETS LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 3, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 415 Oak St was $5,225.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$413,872 (+2%) Land $79,591 Building $334,281
2025	$5,225.00 Homeowner's exemption	$405,756 Land $78,030 Building $327,726
2023	$3,324.00 (+56.35%) Homeowner's exemption	$255,000 Land $75,000 Building $180,000
2022	$2,126.00

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

Flood

FEMA maps place 415 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 415 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	SAN BERNARDINO CITY serves 214,665 people · EPA ID CA3610039
Water Source	Groundwater
Last State Inspection	Jul 2021
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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

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

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