523 Emerson St, Upland, CA 91784 Property Records

San Bernardino County property record for 523 Emerson St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,884 sqft · built 1969
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Apr 2019)
Tax Bill	$10,306 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1043-262-05-0000`

Property Details

APN / Parcel Number

Primary APN	`1043-262-05-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,884 sqft Living Area
1st Floor Area	1,604 sqft
2nd Floor Area	1,280 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Modern
Construction Type	Frame
Roof Material	Tile
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	805 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio/Porch
Porch Area	471 sqft
Patio Area	471 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	523 EMERSON ST
City	UPLAND
State	CA
Zip	91784-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 7289 LOT 28
Legal Subdivision	TRACT 7289
Legal Tract	7289
Legal Block	1
Legal Lot Number	28
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1006
Census Tract	814

Owner

523 Emerson St is owner-occupied and held in a trust since October 2024.

Source: San Bernardino County records, as of September 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	523 EMERSON ST, UPLAND, CA 91784-1341
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACG FUNDING INC
Feb 1, 2020	Deed of Trust, Mortgage ACG FUNDING INC
Apr 12, 2019	Grant Deed, Transfer · Conventional Mortgage ACG FUNDING INC
Apr 27, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Apr 26, 2017	Grant Deed, Transfer · Conventional Mortgage OCMBC INC
Apr 26, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2019 · Amount on File
Deed Sale	Apr 12, 2019 · Amount on File
Prior Sale	Apr 26, 2017 · Amount on File
Deed Document Number	2019115422
Last Transfer Date	Oct 21, 2024
Transfer Doc	0000255154
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	523 EMERSON ST, UPLAND, CA 91784-1341
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	CLEARMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 EMERSON ST, UPLAND, CA 91784-1341

Mortgage

Document Number	0000431279
Date	Sep 22, 2021
Instrument	2021-0431279

Lender

Name	ACG FUNDING INC
Type	Mortgage Company
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	523 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000048289
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 EMERSON ST UPLAND CA 917841341, UPLAND, CA 91784-1341

Mortgage

Document Number	0000048289
Date	Feb 10, 2020
Instrument	48289

Lender

Name	ACG FUNDING INC
Type	Bank
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 12, 2019
Property Address	523 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000115422
Map Reference	MB 92 PG 31&32
Instrument Date	Apr 1, 2019
Instrument	2019-0115422
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE

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
Relationship	Joint Tenants
Address	523 EMERSON ST, UPLAND, CA 91784-1341

Mortgage

Document Number	0000115423
Date	Apr 12, 2019
Instrument	2019-0115423

Lender

Name	ACG FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 27, 2017
Property Address	523 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000174593
Instrument Date	Apr 24, 2017
Instrument	174593
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10265 NORTHRIDGE DR RANCHO CUCAMONGA CA 917373042, RANCHO CUCAMONGA, CA 91737-3042

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 26, 2017
Property Address	523 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000174282
Map Reference	MB31 PG32&32
Instrument Date	Mar 28, 2017
Instrument	2017-0174282
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE

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	10265 NORTHRIDGE DR, RANCHO CUCAMONGA, CA 91737-3042

Mortgage

Document Number	0000174284
Date	Apr 26, 2017
Instrument	2017-0174284

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 26, 2017
Property Address	523 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000174283
Instrument Date	Mar 9, 2017
Instrument	174283
Transaction Type	Transfer
Record Updated	May 8, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	523 EMERSON ST UPLAND CA 917841341, UPLAND, CA 91784-1341

Tax Assessment & Valuation

The 2025 property tax bill for 523 Emerson St was $10,306.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$967,157 (+2%) Land $338,505 Building $628,652
2025	$10,306.00 Homeowner's exemption	$948,193 Land $331,868 Building $616,325
2023	$9,828.00 (+2.19%) Homeowner's exemption	$911,373 Land $318,981 Building $592,392
2022	$9,617.00

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

Flood

FEMA maps place 523 Emerson St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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
Nearby Flood Claims	2 (1982–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2019 · rainfall accumulation

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 523 Emerson St is low, with 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 67% of the US · lower than 81% of California
Wildfire Likelihood	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	CITY OF UPLAND serves 78,376 people · EPA ID CA3610050
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

Nearby Properties on Emerson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures