640 E Spruce St, Ontario, CA 91761 Property Records

San Bernardino County property record for 640 E Spruce St, Ontario, CA 91761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,360 sqft · built 1977
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Company Names on File
Last Sale	$137,000 (Apr 1999)
Tax Bill	$2,374 (2025)
Deeds & Mortgages	Oct 2023 Transfer Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1050-552-19-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-552-19-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,360 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)
View / Lot	Average
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	14 sqft
Patio Area	14 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	640 E SPRUCE ST
City	ONTARIO
State	CA
Zip	91761-5432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 9214 LOT 19
Legal Subdivision	TRACT 9214
Legal Tract	9214
Legal Block	3
Legal Lot Number	19
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3007
Census Tract	1810

Owner

Source: San Bernardino County assessment roll, 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 File
Mailing Address	640 E SPRUCE ST, ONTARIO, CA 91761-5432
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Intrafamily Transfer, Transfer
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 15, 1999 · Amount on Record
Deed Sale	Apr 15, 1999 · Amount on Record
Prior Sale	Oct 31, 1997 · Amount on Record
Deed Document Number	1999158898
Last Transfer Date	Sep 30, 2023
Transfer Doc	0000244252
Record Updated	Sep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Oct 3, 2023
Property Address	640 E SPRUCE ST, ONTARIO, CA 91761-5432
Document Number	0000244252
Map Reference	MB 127 PG 31&32
Instrument Date	Sep 30, 2023
Instrument	2023-0244252
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	640 E SPRUCE ST, ONTARIO, CA 91761-5432

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	640 E SPRUCE ST, ONTARIO, CA 91761-5432
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 E SPRUCE ST, ONTARIO, CA 91761-5432
Investor	Possibly a Property Investor

Mortgage

Document Number	0000133716
Date	Mar 24, 2021
Instrument	2021-0133716

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

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		$219,076 (+2%) Land $76,677 Building $142,399
2025	$2,374.00 (+5.28%)	$214,781 (+4.04%) Land $75,174 Building $139,607
2023	$2,255.00 (+1.35%)	$206,441 Land $72,255 Building $134,186
2022	$2,225.00

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

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: California Internet, T-Mobile USA, Verizon.

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