664 S Spruce Ave, Rialto, CA 92376 Property Records

San Bernardino County property record for 664 S Spruce Ave, Rialto, CA 92376

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,426 sqft · built 1980
Lot Size	0.187 acres (8,160 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Apr 2019)
Tax Bill	$5,551 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0128-671-34-0000`

Property Details

APN / Parcel Number

Primary APN	`0128-671-34-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,901 sqft
1st Floor Area	1,426 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Modern
Exterior Material	Block
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,160 sqft (0.187 acres)
Lot Dimensions	102 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	664 S SPRUCE AVE
City	RIALTO
State	CA
Zip	92376-6854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 10177 LOT 34
Legal Subdivision	TRACT NO 10177
Legal Tract	10177
Legal Block	1
Legal Lot Number	34
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	SAN BERNARDINO
Census Block Group	1
Census Block	1013
Census Tract	3603

Owner

664 S Spruce Ave is owned and occupied by two individuals who bought it in April 2019.

Source: San Bernardino County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Apr 21, 2020	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Oct 23, 2019	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Apr 9, 2019	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2019 · Amount on File
Deed Sale	Apr 9, 2019 · Amount on File
Deed Document Number	2019109468
Prior Transfer Date	Mar 29, 2013
Prior Transfer Doc	0000139257
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Investor	Possibly a Property Investor

Mortgage

Document Number	0000062520
Date	Mar 10, 2026
Instrument	2026-0062520

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854

Mortgage

Document Number	0000139674
Date	Mar 26, 2021
Instrument	2021-0139674

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000136332
Date	Apr 21, 2020
Instrument	2020-0136332

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000381260
Date	Oct 23, 2019
Instrument	2019-0381260

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Apr 9, 2019
Property Address	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Document Number	0000109468
Map Reference	MB 151 PG 52&53
Instrument Date	Mar 22, 2019
Instrument	2019-0109468
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ORANGE COAST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	664 S SPRUCE AVE, RIALTO, CA 92376-6854
Investor	Possibly a Property Investor

Mortgage

Document Number	0000109469
Date	Apr 9, 2019
Instrument	2019-0109469

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 664 S Spruce Ave was $5,551.

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	San Bernardino County
Municipality	Rialto City
Unified School District	Rialto Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$420,998 (+2%) Land $105,250 Building $315,748
2025	$5,551.00 Homeowner's exemption	$412,743 Land $103,186 Building $309,557
2023	$5,678.00 (+7.91%) Homeowner's exemption	$396,715 Land $99,179 Building $297,536
2022	$5,262.00

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

Flood

FEMA maps place 664 S Spruce Ave in Zone X, an area of minimal flood risk.

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

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

The area around 664 S Spruce Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	WEST VALLEY WATER DISTRICT serves 96,123 people · EPA ID CA3610004
Water Source	Surface water
Last State Inspection	Mar 2026
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 616 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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