649 E Elm St, Ontario, CA 91761 Property Records

San Bernardino County property record for 649 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	0.155 acres (6,764 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (Feb 2021)
Tax Bill	$4,929 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1050-101-06-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-101-06-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	756 sqft Living Area
Gross Area	976 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
Lot Area	6,764 sqft (0.155 acres)
Garage Type	Attached
Garage Area	220 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	649 E ELM ST
City	ONTARIO
State	CA
Zip	91761-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5395 LOT 5
Legal Subdivision	TRACT NO 5395
Legal Tract	5395
Legal Block	1
Legal Lot Number	5
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 1050-101-06-0000

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	649 E ELM ST, ONTARIO, CA 91761-4340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 07, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2021	Grant Deed, Transfer · FHA Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 11, 2021 · Amount on Record
Deed Sale	Feb 11, 2021 · Amount on Record
Prior Sale	May 30, 2012 · Amount on Record
Deed Document Number	202168773
Prior Transfer Date	Mar 19, 2012
Prior Transfer Doc	0000143819
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	649 E ELM ST, ONTARIO, CA 91761-4340
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145646
Date	Apr 07, 2017
Instrument	2017-0145646

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	649 E ELM ST, ONTARIO, CA 91761-4340
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000257810
Date	Jul 28, 2020
Instrument	2020-0257810

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Feb 11, 2021
Property Address	649 E ELM ST, ONTARIO, CA 91761-4340
Document Number	0000068773
Map Reference	MB 72 PG 20&21
Instrument Date	Jan 11, 2021
Instrument	2021-0068773
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	649 E ELM ST, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000068774
Date	Feb 11, 2021
Instrument	2021-0068774

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

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

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		$457,089 (+2%) Land $159,981 Building $297,108
2025	$4,929.00 (+5.3%)	$448,126 (+4.04%) Land $156,844 Building $291,282
2023	$4,681.00 (+1.32%)	$430,726 (+2%) Land $150,754 Building $279,972
2022	$4,620.00	$422,280 Land $147,798 Building $274,482

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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