538 E Virginia St, Rialto, CA 92376 Property Records

San Bernardino County property record for 538 E Virginia St, Rialto, CA 92376

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,062 sqft · built 1964
Lot Size	0.282 acres (12,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jun 2013)
Tax Bill	$4,057 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0264-683-08-0000`

Property Details

APN / Parcel Number

Primary APN	`0264-683-08-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	2,540 sqft
1st Floor Area	2,062 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Modern
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	12,282 sqft (0.282 acres)
Lot Dimensions	138 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	230 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	538 E VIRGINIA ST
City	RIALTO
State	CA
Zip	92376-3655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 7303 LOT 15
Legal Subdivision	TRACT 7303
Legal Tract	7303
Legal Block	1
Legal Lot Number	15
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1003
Census Tract	3801

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	538 E VIRGINIA ST, RIALTO, CA 92376-3655
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
May 26, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Mar 26, 2020	Deed of Trust, Mortgage · FHA Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2013 · Amount on Record
Deed Sale	Jun 20, 2013 · Amount on Record
Deed Document Number	2013275133
Last Transfer Date	Mar 2, 2016
Transfer Doc	0000082372
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655

Mortgage

Document Number	0000006039
Date	Jan 9, 2026
Instrument	2026-0006039

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655
Transaction Type	Mortgage
Record Updated	Jun 20, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655

Mortgage

Document Number	0000128647
Date	May 26, 2023
Instrument	2023-0128647

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655

Mortgage

Document Number	0000422016
Date	Oct 28, 2020
Instrument	2020-0422016

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 E VIRGINIA ST, RIALTO, CA 92376-3655
Document Number	0000112954
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	538 E VIRGINIA ST RIALTO CA 923763655, RIALTO, CA 92376-3655

Mortgage

Document Number	0000112954
Date	Mar 31, 2020
Instrument	112954

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

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	Rialto City
Unified School District	Rialto Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$288,405 (+2%) Land $64,372 Building $224,033
2025	$4,057.00 (+0.35%) Homeowner's exemption	$282,750 (+4.04%) Land $63,110 Building $219,640
2023	$4,043.00 (+7.99%) Homeowner's exemption	$271,771 Land $60,660 Building $211,111
2022	$3,744.00

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 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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	WEST VALLEY WATER DISTRICT serves 96,123 people · EPA ID CA3610004
Water Source	Surface water
Last State Inspection	Mar 2026
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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

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