648 E 20th St, San Bernardino, CA 92404 Property Records

San Bernardino County property record for 648 E 20th St, San Bernardino, CA 92404

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,116 sqft · built 1953
Lot Size	0.156 acres (6,800 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jul 2026)
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`0147-176-13-0000`

Property Details

APN / Parcel Number

Primary APN	`0147-176-13-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
Gross Area	1,496 sqft
1st Floor Area	1,116 sqft
Family Room	Family Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,800 sqft (0.156 acres)
Lot Dimensions	100 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Patio/Porch
Porch Area	206 sqft
Patio Area	206 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	648 E 20TH ST
City	SAN BERNARDINO
State	CA
Zip	92404-4839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 4051 LOT 26
Legal Subdivision	TRACT NO 4051
Legal Tract	4051
Legal Block	1
Legal Lot Number	26
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1002
Census Tract	6301

Owner

Source: San Bernardino County records, as of July 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FEDERAL CREDIT UNION
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Dec 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Aug 1, 2013 · Amount on File
Deed Document Number	2026178494
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jul 13, 2026
Property Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839
Document Number	0000178494
Instrument Date	Jun 29, 2026
Instrument	2026178494
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	USA NATIONAL TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,884.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839
Investor	Possibly a Property Investor

Mortgage

Document Number	0000178495,
Date	Jul 13, 2026
Instrument	2026178495

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839

Mortgage

Document Number	0000521969
Date	Nov 18, 2021
Instrument	2021-0521969

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293203
Date	Aug 19, 2020
Instrument	2020-0293203

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	648 E 20TH ST, SAN BERNARDINO, CA 92404-4839
Document Number	0000006784
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 E 20TH ST SAN BERNARDINO CA 924044839, SAN BERNARDINO, CA 92404-4839

Mortgage

Document Number	0000006784
Date	Jan 9, 2018
Instrument	6784

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2048

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	San Bernardino City
Unified School District	San Bernardino City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$187,557 (+2%) Land $56,268 Building $131,289
2025	$2,384.00 (+4.93%) Homeowner's exemption	$183,880 (+4.04%) Land $55,165 Building $128,715
2023	$2,272.00 Homeowner's exemption	$176,740 Land $53,023 Building $123,717
2022	$2,272.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	SAN BERNARDINO CITY serves 214,665 people · EPA ID CA3610039
Water Source	Groundwater
Last State Inspection	Jul 2021
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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, T-Mobile.

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