442 W Locust St, Ontario, CA 91762 Property Records

San Bernardino County property record for 442 W Locust St, Ontario, CA 91762

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,582 sqft · built 1980
Lot Size	0.445 acres (19,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (Nov 1997)
Tax Bill	$2,680 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`1050-031-24-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-031-24-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,582 sqft Living Area
Gross Area	3,044 sqft
1st Floor Area	2,582 sqft
Family Room	Family Room

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	19,370 sqft (0.445 acres)
View / Lot	Average
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	366 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	442 W LOCUST ST
City	ONTARIO
State	CA
Zip	91762-5726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2488 LOT 22 BLOCK A
Legal Subdivision	TRACT 2488
Legal Tract	2488
Legal Block	A
Legal Lot Number	22
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1011
Census Tract	1707

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	2 Individual Names on Record
Mailing Address	442 W LOCUST ST, ONTARIO, CA 91762-5726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Oct 29, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 7, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLEARPATH LNDG
Aug 1, 2018	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 1997 · Amount on Record
Deed Sale	Nov 26, 1997 · Amount on Record
Prior Sale	Feb 3, 1994
Deed Document Number	1997437143
Last Transfer Date	Dec 12, 2001
Transfer Doc	0000586640
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	442 W LOCUST ST, ONTARIO, CA 91762-5726
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 W LOCUST ST, MONTCLAIR, CA 91762-5726

Mortgage

Document Number	0000048047
Date	Feb 20, 2026
Instrument	2026-0048047

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	442 W LOCUST ST, ONTARIO, CA 91762-5726
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 W LOCUST ST, ONTARIO, CA 91762-5726

Mortgage

Document Number	0000490356
Date	Oct 29, 2021
Instrument	2021-0490356

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	442 W LOCUST ST, ONTARIO, CA 91762-5726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046349
Date	Feb 7, 2020
Instrument	2020-0046349

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	442 W LOCUST ST, ONTARIO, CA 91762-5726
Document Number	0000168922
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	442 W LOCUST ST ONTARIO CA 917625726, ONTARIO, CA 91762-5726

Mortgage

Document Number	0000168922
Date	May 24, 2019
Instrument	168922

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	442 W LOCUST ST, ONTARIO, CA 91762-5726
Document Number	0000286054
Instrument Date	Aug 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	WFG

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	442 W LOCUST ST ONTARIO CA 917625726, ONTARIO, CA 91762-5726

Mortgage

Document Number	0000286054
Date	Aug 6, 2018
Instrument	286054

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 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	Ontario-Montclair School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$426,388 (+2%) Land $73,005 Building $353,383
2025	$2,680.00 (+2.06%) Disabled Person's exemption	$418,028 (+4.04%) Land $71,574 Building $346,454
2023	$2,626.00 (-1.94%) Disabled Person's exemption	$401,796 Land $68,795 Building $333,001
2022	$2,678.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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	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 659 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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