645 W 20th St, Upland, CA 91784 Property Records

San Bernardino County property record for 645 W 20th St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,254 sqft · built 1918
Lot Size	0.388 acres (16,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Apr 2013)
Tax Bill	$3,035 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1043-541-25-0000`

Property Details

APN / Parcel Number

Primary APN	`1043-541-25-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,254 sqft Living Area
Gross Area	2,794 sqft
1st Floor Area	1,552 sqft
2nd Floor Area	702 sqft
Basement Area	540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Construction Type	Masonry / Concrete Block
Roof Material	Tile
Lot Area	16,892 sqft (0.388 acres)
Garage Type	Detached
Garage Area	198 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	541 sqft
Patio Area	101 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 W 20TH ST
City	UPLAND
State	CA
Zip	91784-1664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 9731 LOT 9
Legal Tract	9731
Legal Block	4
Legal Lot Number	9
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	4
Census Block	4005
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	645 W 20TH ST, UPLAND, CA 91784-1664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2013 · Amount on Record
Deed Sale	Apr 29, 2013 · Amount on Record
Prior Sale	Oct 1, 2004 · Amount on Record
Deed Document Number	2013178193
Prior Transfer Date	Jun 14, 2007
Prior Transfer Doc	0000405709
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	645 W 20TH ST, UPLAND, CA 91784-1664
Document Number	0000330726
Instrument Date	Aug 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	645 W 20TH ST UPLAND CA 917841664, UPLAND, CA 91784-1664

Mortgage

Document Number	0000330726
Date	Sep 4, 2020
Instrument	330726

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 3, 2035

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	645 W 20TH ST, UPLAND, CA 91784-1664
Document Number	0000077696
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 W 20TH ST UPLAND CA 917841664, UPLAND, CA 91784-1664

Mortgage

Document Number	0000077696
Date	Mar 5, 2018
Instrument	77696

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 4, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.14%

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		$308,700 (+14.04%) Land $163,600 Building $145,100
2025	$3,035.00 (+20.58%) Homeowner's exemption	$270,700 (+20.26%) Land $143,500 Building $127,200
2023	$2,517.00 (-16.93%) Homeowner's exemption	$225,100 Land $78,800 Building $146,300
2022	$3,030.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	4 (1980–1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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 98% of the US · lower than 98.4% 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks.

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