655 E Elm St, Ontario, CA 91761 Property Records

San Bernardino County property record for 655 E Elm St, Ontario, CA 91761 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1958
Lot Size	0.155 acres (6,764 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Aug 2018)
Tax Bill	$4,786 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1050-101-05-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-101-05-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,326 sqft Living Area
Gross Area	1,540 sqft
1st Floor Area	1,326 sqft
Family Room	Family Room

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	6,764 sqft (0.155 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	Municipal
Water Source	Commercial

Location & Zoning

Street Address	655 E ELM ST
City	ONTARIO
State	CA
Zip	91761-4390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 5395 LOT 4
Legal Subdivision	TRACT NO 5395
Legal Tract	5395
Legal Block	1
Legal Lot Number	4
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 1050-101-05-0000

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	655 E ELM ST, ONTARIO, CA 91761-4390
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Jun 18, 2020	Deed of Trust, Mortgage · Conventional with PMI WATERMARK CAP
Jul 10, 2019	Deed of Trust, Mortgage · Conventional with PMI WATERMARK CAP
Aug 08, 2018	Grant Deed, Transfer · Conventional Mortgage FRANKLIN LOAN CENTER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 08, 2018 · Amount on Record
Deed Sale	Aug 08, 2018 · Amount on Record
Deed Document Number	2018289377
Prior Transfer Date	Feb 12, 2016
Prior Transfer Doc	0000069188
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	655 E ELM ST, ONTARIO, CA 91761-4340
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 E ELM ST, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000208394
Date	Jun 08, 2022
Instrument	2022-0208394

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	655 E ELM ST, ONTARIO, CA 91761-4340
Transaction Type	Mortgage
Record Updated	Jun 10, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 E ELM ST, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000248151
Date	May 28, 2021
Instrument	2021-0248151

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	655 E ELM ST, ONTARIO, CA 91761-4340
Document Number	0000208983
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 09, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	655 E ELM ST ONTARIO CA 917614340, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000208983
Date	Jun 24, 2020
Instrument	208983

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	655 E ELM ST, ONTARIO, CA 91761-4340
Document Number	0000242123
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	655 E ELM ST ONTARIO CA 917614340, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000242123
Date	Jul 19, 2019
Instrument	242123

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 08, 2018
Property Address	655 E ELM ST, ONTARIO, CA 91761-4340
Document Number	0000289377
Map Reference	MB 72 PG 20&21
Instrument Date	Jul 09, 2018
Instrument	2018-0289377
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ORANGE COAST TITLE COMPANY

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	Joint Tenants
Address	655 E ELM ST, ONTARIO, CA 91761-4340

Mortgage

Document Number	0000289378
Date	Aug 08, 2018
Instrument	2018-0289378

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2048

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		$443,755 (+2%) Land $153,608 Building $290,147
2025	$4,786.00 (+5.3%)	$435,054 (+4.04%) Land $150,596 Building $284,458
2023	$4,545.00 (+1.34%)	$418,160 (+2%) Land $144,748 Building $273,412
2022	$4,485.00	$409,961 Land $141,910 Building $268,051

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 321 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
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

Nearby Properties on E Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures