638 West St, Upland, CA 91786 Property Records

San Bernardino County property record for 638 West St, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 982 sqft · built 1955
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Nov 2020)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	May 2024 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1045-522-09-0000`

Property Details

APN / Parcel Number

Primary APN	`1045-522-09-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	982 sqft Living Area
Gross Area	1,202 sqft
1st Floor Area	982 sqft
Family Room	Family Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	180 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Patio/Porch
Porch Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	638 WEST ST
City	UPLAND
State	CA
Zip	91786-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ONTARIO COLONY LANDS BEG AT PT 200 FT N AND 172 FT W SE COR LOT 518 TH W 55 FT N 180 FT E 55 FT S 180 FT
Legal Subdivision	MAP OF ONTARIO
Legal Block	2
Legal Lot Number	518
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2015
Census Tract	808

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	Individual Name on Record
Mailing Address	638 WEST ST, UPLAND, CA 91786-3328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 30, 2020	Grant Deed, Transfer · FHA Mortgage CALCULATED RISK ANALYTICS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Deed Document Number	2020482158
Prior Transfer Date	Dec 21, 1993
Prior Transfer Doc	0000564624
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	638 WEST ST, UPLAND, CA 91786-3328
Transaction Type	Mortgage
Record Updated	May 22, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 WEST ST, UPLAND, CA 91786-3328
Investor	Possibly a Property Investor

Mortgage

Document Number	0000108585
Date	May 9, 2024
Instrument	2024-0108585

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Dec 1, 2050

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Nov 30, 2020
Property Address	638 WEST ST, UPLAND, CA 91786-3328
Document Number	0000482158
Map Reference	MB 11 PG 6
Instrument Date	Oct 29, 2020
Instrument	2020-0482158
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN 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
Address	638 WEST ST, UPLAND, CA 91786-3328
Investor	Possibly a Property Investor

Mortgage

Document Number	0000482159
Date	Nov 30, 2020
Instrument	2020-0482159

Lender

Name	CALCULATED RISK ANALYTICS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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		$485,796 (+2%) Land $171,133 Building $314,663
2025	$5,603.00 (+12.15%) Homeowner's exemption	$476,270 (+4.04%) Land $167,777 Building $308,493
2023	$4,996.00 (+0.75%) Homeowner's exemption	$457,776 Land $161,262 Building $296,514
2022	$4,959.00

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

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 774 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Frontier, GeoLinks, T-Mobile.

Nearby Properties on West St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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