740 Spruce Ave, Upland, CA 91786 Property Records

San Bernardino County property record for 740 Spruce Ave, Upland, CA 91786

Property Summary

Property Type	Apartments (5+ Units)
Details	3 bd · 2 ba · 11,712 sqft · built 1963
Lot Size	0.46 acres (20,050 sqft)
Owner	Company Name on Record
Last Sale	$665,000 (Sep 2001)
Tax Bill	$10,827 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1007-192-03-0000`

Property Details

APN / Parcel Number

Primary APN	`1007-192-03-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	12 Units
Building Area	11,712 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	20,050 sqft (0.46 acres)
View / Lot	Average
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	740 SPRUCE AVE
City	UPLAND
State	CA
Zip	91786-4418
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	TRACT 6916 LOTS 19 AND 20
Legal Subdivision	TRACT NO. 6916
Legal Tract	6916
Legal Block	1
Legal Lot Number	19,20
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1001
Census Tract	823

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	Company Name on Record
Mailing Address	25531 COMMERCENTRE DR, LAKE FOREST, CA 92630-8873
Owner Type	Company
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK N A
Apr 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Nov 17, 2017	Deed of Trust, Mortgage · Negative Amortization JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2001 · Amount on Record
Deed Sale	Sep 13, 2001 · Amount on Record
Deed Document Number	2001414559
Prior Transfer Date	Jul 26, 2001
Prior Transfer Doc	0000414559
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 28, 2026
Property Address	740 SPRUCE AVE, UPLAND, CA 91786-4418
Document Number	0000134387
Instrument Date	May 19, 2026
Instrument	2026134387
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000134387,
Date	May 28, 2026
Instrument	2026134387

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	740 SPRUCE AVE, UPLAND, CA 91786-4418
Transaction Type	Mortgage
Record Updated	Nov 29, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE CO NCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25531 COMMERCENTRE DR 150, 150, LAKE FOREST, CA 92630-8891

Mortgage

Document Number	0000201983
Date	Apr 30, 2021
Instrument	2021-0201983

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COPPELL, TX 75019

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	740 SPRUCE AVE, UPLAND, CA 91786-4418
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000490935
Date	Nov 17, 2017
Instrument	2017-0490935

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COPPELL, TX 75019

Agreement

Type	Negative Amortization
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,002,062 (+2%) Land $150,687 Building $851,375
2025	$10,827.00 (+4.83%)	$982,413 (+4.04%) Land $147,732 Building $834,681
2023	$10,328.00 (+2.2%)	$944,265 Land $141,995 Building $802,270
2022	$10,106.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
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	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 395 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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