627 E Spruce St, Ontario, CA 91761 Property Records

San Bernardino County property record for 627 E Spruce St, Ontario, CA 91761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,426 sqft · built 1977
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,031 (2025)
Deeds & Mortgages	Jun 2022 Reverse Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1050-551-09-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-551-09-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,886 sqft
1st Floor Area	1,426 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Modern
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	344 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	627 E SPRUCE ST
City	ONTARIO
State	CA
Zip	91761-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 9214 LOT 27
Legal Subdivision	TRACT NO. 9214
Legal Tract	9214
Legal Block	3
Legal Lot Number	27
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3000
Census Tract	1810

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 Company Names on Record
Mailing Address	627 E SPRUCE ST, ONTARIO, CA 91761-5433
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Deed of Trust, Mortgage · Reverse Mortgage V I P INDEPENDENT MORTGAGE INC
Apr 17, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 10, 2025
Transfer Doc	0000083713
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	627 E SPRUCE ST, ONTARIO, CA 91761-5433
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 E SPRUCE ST, ONTARIO, CA 91761-5433

Mortgage

Document Number	0000225438
Date	Jun 24, 2022
Instrument	2022-0225438

Lender

Name	V I P INDEPENDENT MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.96%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.96%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	627 E SPRUCE ST, ONTARIO, CA 91761-5433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119513
Date	Apr 17, 2019
Instrument	2019-0119513

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$101,022 (+2%) Land $14,391 Building $86,631
2025	$1,031.00 (+5.64%) Homeowner's exemption	$99,041 (+4.04%) Land $14,109 Building $84,932
2023	$976.00 (+1.46%) Homeowner's exemption	$95,195 Land $13,561 Building $81,634
2022	$962.00

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	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 859 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

May also be available: GeoLinks, T-Mobile, Verizon.

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