538 W Elm St, Ontario, CA 91762 Property Records

San Bernardino County property record for 538 W Elm St, Ontario, CA 91762

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,387 sqft · built 1980
Lot Size	0.171 acres (7,440 sqft)
Owner	Company Name on Record
Last Sale	$214,000 (Mar 2003)
Tax Bill	$3,406 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1050-041-28-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-041-28-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,387 sqft Living Area
Gross Area	1,858 sqft
1st Floor Area	1,387 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,440 sqft (0.171 acres)
Lot Dimensions	120 ft deep x 62 ft wide
View / Lot	Average
Garage Type	Attached
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	42 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	538 W ELM ST
City	ONTARIO
State	CA
Zip	91762-5711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 10450 LOT 160
Legal Tract	10450
Legal Block	1
Legal Lot Number	160
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1012
Census Tract	1707

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	538 W ELM ST, ONTARIO, CA 91762-5711
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEPROMISE CORPORATION
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEPROMISE CORPORATION
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST FINANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2003 · Amount on Record
Deed Sale	Mar 20, 2003 · Amount on Record
Deed Document Number	2003184363
Last Transfer Date	Jul 26, 2016
Transfer Doc	0000323140
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 W ELM ST, ONTARIO, CA 91762-5711
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 W ELM ST, ONTARIO, CA 91762-5711

Mortgage

Document Number	0000219933
Date	Jun 21, 2022
Instrument	2022-0219933

Lender

Name	HOMEPROMISE CORPORATION
Type	Non-Lending Institution
Address	GREENCASTLE, PA 17225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Mar 1, 2037

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 W ELM ST, ONTARIO, CA 91762-5711
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 W ELM ST, ONTARIO, CA 91762-5711

Mortgage

Document Number	0000077210
Date	Feb 28, 2022
Instrument	2022-0077210

Lender

Name	HOMEPROMISE CORPORATION
Type	Non-Lending Institution
Address	GREENCASTLE, PA 17225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	538 W ELM ST, ONTARIO, CA 91762-5711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROVIDENT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000555503
Date	Dec 29, 2017
Instrument	2017-0555503

Lender

Name	THE FIRST FINANCIAL FCU
Type	Credit Union
Address	WEST COVINA, CA 91790

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

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		$316,148 (+2%) Land $118,187 Building $197,961
2025	$3,406.00 (+5.29%) Homeowner's exemption	$309,949 (+4.04%) Land $115,870 Building $194,079
2023	$3,235.00 (+1.35%) Homeowner's exemption	$297,914 Land $111,371 Building $186,543
2022	$3,192.00

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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