645 E Elm St, Ontario, CA 91761 Property Records

San Bernardino County property record for 645 E Elm St, Ontario, CA 91761 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 756 sqft · built 1958
Lot Size	0.156 acres (6,802 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Apr 2021)
Tax Bill	$4,805 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1050-101-07-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-101-07-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	756 sqft Living Area
Gross Area	970 sqft
1st Floor Area	756 sqft
Family Room	Family Room

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,802 sqft (0.156 acres)
Garage Type	Attached
Garage Area	214 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 E ELM ST
City	ONTARIO
State	CA
Zip	91761-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5395 LOT 6
Legal Subdivision	TRACT 5395
Legal Tract	5395
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1005
Census Tract	1813

Owner

Source: San Bernardino County records · APN 1050-101-07-0000

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	645 E ELM ST, ONTARIO, CA 91761-4340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 08, 2021 · Amount on Record
Deed Sale	Apr 08, 2021 · Amount on Record
Prior Sale	Sep 17, 2010 · Amount on Record
Deed Document Number	2021160314
Prior Transfer Date	Sep 10, 2008
Prior Transfer Doc	0000414182
Record Updated	Sep 20, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 08, 2021
Property Address	645 E ELM ST, ONTARIO, CA 91761-4340
Document Number	0000160314
Map Reference	MB 72 PG 20&21
Instrument Date	Mar 04, 2021
Instrument	2021-0160314
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	645 E ELM ST, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000160315
Date	Apr 08, 2021
Instrument	2021-0160315

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Mortgage

Document Number	0000160316
Date	Apr 08, 2021
Instrument	2021-0160316

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Bernardino County records · Assessment roll updated July 14, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$452,673 (+2%) Land $158,436 Building $294,237
2025	$4,805.00 (+5.35%) Homeowner's exemption	$443,797 (+4.04%) Land $155,329 Building $288,468
2023	$4,561.00 (+1.38%) Homeowner's exemption	$426,564 Land $149,297 Building $277,267
2022	$4,499.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Bernardino County (06071C), updated October 12, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 618 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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