440 S E St, San Bernardino, CA 92401 Property Records

San Bernardino County property record for 440 S E St, San Bernardino, CA 92401

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	32,201 sqft · built 1920
Lot Size	0.938 acres (40,837 sqft)
Owner	Company Name on Record
Last Sale	$2,150,000 (Jan 2024)
Tax Bill	$27,420 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jan 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0136-171-29-0000`

Property Details

APN / Parcel Number

Primary APN	`0136-171-29-0000`

Interior

Stories	2 Stories
Building Area	32,201 sqft Gross Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1935
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	40,837 sqft (0.938 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	440 S E ST
City	SAN BERNARDINO
State	CA
Zip	92401-2013
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	BROWN AND WATERMAN SUB LOTS 19 2O AND 21
Legal Subdivision	BROWN & WATERMAN SUBDIVISION
Legal Block	1
Legal Lot Number	19
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1055
Census Tract	5701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	17130 VAN BUREN BLVD, RIVERSIDE, CA 92504-5905
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · SBA Mortgage SOUTHLAND ECONOMIC DEVELOPMENT CORPORAT
Jan 5, 2024	Grant Deed, Transfer · Commercial Mortgage INDIGO DIRECT LENDING LLC
Jul 19, 2021	Intrafamily Transfer, Transfer
Dec 13, 2018	Deed of Trust, Mortgage · Line of Credit NEW OMNI BK NA
Dec 13, 2018	Deed of Trust, Mortgage NEW OMNI BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2024 · Amount on Record
Deed Sale	Jan 5, 2024 · Amount on Record
Prior Sale	Sep 30, 2003 · Amount on Record
Deed Document Number	20245222
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	0000322772
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	440 S E ST, SAN BERNARDINO, CA 92401-2013
Transaction Type	Mortgage
Record Updated	Mar 26, 2024
Title Company	COMMONWEALTH LAND TITLE COMPANY/PUG, COMMONWEALTH LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 S E ST, SAN BERNARDINO, CA 92401-2013

Mortgage

Document Number	0000057853
Date	Mar 13, 2024
Instrument	2024-0057853

Lender

Name	SOUTHLAND ECONOMIC DEVELOPMENT CORPORAT
Type	Non-Lending Institution
Address	SANTA ANA, CA 92705

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 5, 2024
Property Address	440 S E ST, SAN BERNARDINO, CA 92401-2013
Document Number	0000005222
Map Reference	MB 16 PG 31
Instrument Date	Dec 15, 2023
Instrument	2024-0005222
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	FIRST AMER TTL INS CO NATL C

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
Address	17130 VAN BUREN BLVD # 598, 598, RIVERSIDE, CA 92504-5905

Mortgage

Document Number	0000005223
Date	Jan 5, 2024
Instrument	2024-0005223

Lender

Name	INDIGO DIRECT LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000005225
Date	Jan 5, 2024
Instrument	2024-0005225

Lender

Name	LINCOLN CAPITAL MANAGEMENT LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 19, 2021
Property Address	440 S E ST, SAN BERNARDINO, CA 92401-2013
Document Number	0000322772
Map Reference	MB 16 PG 31
Instrument Date	Jun 25, 2021
Instrument	2021-0322772
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	2668 HARVEST CREST LN, CORONA, CA 92881-3572

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	440 S E ST, SAN BERNARDINO, CA 92401-2013
Document Number	0000469121
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Dec 31, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2668 HARVEST CREST LN CORONA CA 928813572, CORONA, CA 92881-3572

Mortgage

Document Number	0000469121
Date	Dec 20, 2018
Instrument	469121

Lender

Name	NEW OMNI BK NA
Type	Bank
Address	ALHAMBRA, CA 91801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	440 S E ST, SAN BERNARDINO, CA 92401-2013
Document Number	0000469119
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Dec 31, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2668 HARVEST CREST LN CORONA CA 928813572, CORONA, CA 92881-3572

Mortgage

Document Number	0000469119
Date	Dec 20, 2018
Instrument	469119

Lender

Name	NEW OMNI BK NA
Type	Bank
Address	ALHAMBRA, CA 91801

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	San Bernardino City
Unified School District	San Bernardino City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,236,860 (+2%) Land $338,130 Building $1,898,730
2025	$27,420.00 (+113.73%)	$2,193,000 (+113.96%) Land $331,500 Building $1,861,500
2023	$12,829.00 (-0.29%)	$1,024,943 Land $341,647 Building $683,296
2022	$12,866.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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