551 Emerson St, Upland, CA 91784 Property Records

San Bernardino County property record for 551 Emerson St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,419 sqft · built 1968
Lot Size	0.47 acres (20,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,505,000 (Oct 2023)
Tax Bill	$16,605 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1043-262-06-0000`

Property Details

APN / Parcel Number

Primary APN	`1043-262-06-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,419 sqft Living Area
Gross Area	4,202 sqft
1st Floor Area	3,419 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Modern
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	20,475 sqft (0.47 acres)
Lot Dimensions	195 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio/Porch
Porch Area	804 sqft
Deck Area	Deck Area
Patio Area	804 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	551 EMERSON ST
City	UPLAND
State	CA
Zip	91784-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 7289 LOT 27
Legal Subdivision	TRACT NO 7289
Legal Tract	7289
Legal Block	1
Legal Lot Number	27
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1006
Census Tract	814

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	551 EMERSON ST, UPLAND, CA 91784-1341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage CABRILLO CU
Oct 24, 2023	Grant Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Aug 10, 2022	Grant Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Prior Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	2023261531
Prior Transfer Date	Sep 4, 2014
Prior Transfer Doc	0000359011
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	551 EMERSON ST, UPLAND, CA 91784-1341
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 EMERSON ST, UPLAND, CA 91784-1341

Mortgage

Document Number	0000250141
Date	Oct 16, 2025
Instrument	2025-0250141

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.2%

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 24, 2023
Property Address	551 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000261531
Map Reference	MB 92 PG 31&32
Instrument Date	Oct 19, 2023
Instrument	2023-0261531
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	CALIFORNIA BEST TITLE CO, CALIFORNIA BEST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	551 EMERSON ST, UPLAND, CA 91784-1341

Mortgage

Document Number	0000261532
Date	Oct 24, 2023
Instrument	2023-0261532

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 10, 2022
Property Address	551 EMERSON ST, UPLAND, CA 91784-1341
Document Number	0000275874
Map Reference	MB 92 PG 31&32
Instrument Date	Aug 2, 2022
Instrument	2022-0275874
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Relationship	Joint Tenants
Address	551 EMERSON ST, UPLAND, CA 91784-1341

Mortgage

Document Number	0000275875
Date	Aug 10, 2022
Instrument	2022-0275875

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	551 EMERSON ST, UPLAND, CA 91784-1341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 EMERSON ST, UPLAND, CA 91784-1341

Mortgage

Document Number	0000501704
Date	Dec 10, 2020
Instrument	2020-0501704

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 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	Upland City
Unified School District	Upland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,565,803 (+2%) Land $391,451 Building $1,174,352
2025	$16,605.00 (+18.24%) Homeowner's exemption	$1,535,100 (+18.08%) Land $383,775 Building $1,151,325
2023	$14,043.00 (+212.62%)	$1,300,000 Land $325,000 Building $975,000
2022	$4,492.00

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 · 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

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.

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