816 E Elma St, Ontario, CA 91764 Property Records

San Bernardino County property record for 816 E Elma St, Ontario, CA 91764

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,608 sqft · built 1935
Lot Size	0.142 acres (6,174 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2016)
Tax Bill	$4,494 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`1048-505-03-0000`

Property Details

APN / Parcel Number

Primary APN	`1048-505-03-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft
Family Room	Family Room

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1952
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	6,174 sqft (0.142 acres)
Lot Dimensions	126 ft deep x 49 ft wide
View / Lot	Average
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Patio/Porch
Porch Area	322 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	816 E ELMA ST
City	ONTARIO
State	CA
Zip	91764-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALLYNS SUBDIVISION W 49 FT LOT 7 BLK 2
Legal Subdivision	ALLYNS SUBDIVISION
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1013
Census Tract	1501

Owner

Source: San Bernardino County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN
Aug 24, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 1, 2018	Deed of Trust, Mortgage · FHA Mortgage HOMESTREET BANK
Sep 28, 2021	Deed of Trust, Mortgage · FHA Mortgage PMAC LENDING SERVICES INC
May 5, 2022	Deed of Trust, Mortgage · Line of Credit FINANCIAL PARTNERS CU
Jun 24, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Feb 16, 2018	Loan Modification, Mortgage · FHA Mortgage HOMESTREET BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2016 · Amount on Record
Deed Sale	May 6, 2016 · Amount on Record
Prior Sale	Aug 27, 2015 · Amount on Record
Deed Document Number	2016177682
Prior Transfer Date	Jun 10, 2014
Prior Transfer Doc	0000211091
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Recording Date	May 5, 2026
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Document Number	0000114048
Instrument Date	Mar 17, 2026
Instrument	2026114048
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E ELMA ST, ONTARIO, CA 91764-3827

Mortgage

Document Number	0000114048,
Date	May 5, 2026
Instrument	2026114048

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Oct 1, 2051

Interest

Rate	6.01%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E ELMA ST, ONTARIO, CA 91764-3827

Mortgage

Document Number	0000209230
Date	Aug 24, 2023
Instrument	2023-0209230

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Oct 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIRST AMERICAN MORTGAGE SVC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074842
Date	Mar 1, 2018
Instrument	2018-0074842

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATIONAL TITLE COMPANY LONG B, FIDELITY NATL TTL CO LONG BE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 EAST ELMA STREER, ONTARIO, CA 91764-3827

Mortgage

Document Number	0000440762
Date	Sep 28, 2021
Instrument	2021-0440762

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000168853
Date	May 5, 2022
Instrument	2022-0168853

Lender

Name	FINANCIAL PARTNERS CU
Type	Credit Union
Address	DOWNEY, CA 90242

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Document Number	0000393260
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E ELMA ST ONTARIO CA 917643827, ONTARIO, CA 91764-3827

Mortgage

Document Number	0000393260
Date	Oct 14, 2020
Instrument	393260

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

Interest

Rate	3.75%

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN BERNARDINO CA
Property Address	816 E ELMA ST, ONTARIO, CA 91764-3827
Document Number	0000078988
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E ELMA ST ONTARIO CA 917643827, ONTARIO, CA 91764-3827

Mortgage

Document Number	0000078988
Date	Mar 6, 2018
Instrument	78988

Lender

Name	HOMESTREET BK
Type	Bank
Address	FEDERAL WAY, WA 98003

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	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

Year	Tax Bill	Assessed Value
2026		$416,579 (+2%) Land $145,803 Building $270,776
2025	$4,494.00 (+5.3%)	$408,411 (+4.04%) Land $142,944 Building $265,467
2023	$4,268.00 (+1.33%)	$392,552 Land $137,393 Building $255,159
2022	$4,212.00

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	ONTARIO MUNICIPAL UTILITIES COMPANY serves 185,010 people · EPA ID CA3610034
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
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 711 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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