828 E Spruce St, Ontario, CA 91761 Property Records

San Bernardino County property record for 828 E Spruce St, Ontario, CA 91761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,426 sqft · built 1977
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Oct 2002)
Tax Bill	$3,994 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1050-531-20-0000`

Property Details

APN / Parcel Number

Primary APN	`1050-531-20-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,886 sqft
1st Floor Area	1,426 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Modern
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
View / Lot	Average
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	908 sqft
Deck Area	Deck Area
Patio Area	668 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	828 E SPRUCE ST
City	ONTARIO
State	CA
Zip	91761-5525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9464 LOT 52
Legal Subdivision	TRACT NO 9464
Legal Tract	9464
Legal Block	2
Legal Lot Number	52
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2001
Census Tract	1810

Owner

Source: San Bernardino County records, as of August 4, 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	828 E SPRUCE ST, ONTARIO, CA 91761-5525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JMJ FINANCIAL GROUP
Sep 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage JMJ FINANCIAL GROUP
Aug 6, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2002 · Amount on Record
Deed Sale	Oct 31, 2002 · Amount on Record
Deed Document Number	2002588084
Last Transfer Date	Sep 22, 2021
Transfer Doc	0000440969
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	828 E SPRUCE ST, ONTARIO, CA 91761-5525
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 E SPRUCE ST, ONTARIO, CA 91761-5525

Mortgage

Document Number	0000105604
Date	Mar 8, 2021
Instrument	2021-0105604

Lender

Name	JMJ FINANCIAL GROUP
Type	Funding / Finance Company
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Sep 28, 2021
Property Address	828 E SPRUCE ST, ONTARIO, CA 91761-5525
Document Number	0000440969
Map Reference	MB 130 PG 74-76
Instrument Date	Sep 22, 2021
Instrument	2021-0440969
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 E SPRUCE ST, ONTARIO, CA 91761-5525

Mortgage

Document Number	0000440970
Date	Sep 28, 2021
Instrument	2021-0440970

Lender

Name	JMJ FINANCIAL GROUP
Type	Funding / Finance Company

Agreement

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

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN BERNARDINO CA
Recording Date	Aug 6, 2018
Property Address	828 E SPRUCE ST, ONTARIO, CA 91761-5525
Document Number	0000286010
Map Reference	MB 130 PG 74-76
Instrument Date	Jul 16, 2018
Instrument	2018-0286010
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	828 E SPRUCE ST, ONTARIO, CA 91761-5525

Mortgage

Document Number	0000286011
Date	Aug 6, 2018
Instrument	2018-0286011

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$373,308 (+2%) Land $114,787 Building $258,521
2025	$3,994.00 (+5.3%) Homeowner's exemption	$365,988 (+4.04%) Land $112,536 Building $253,452
2023	$3,793.00 (+0.96%) Homeowner's exemption	$351,776 Land $108,166 Building $243,610
2022	$3,757.00

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 193 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, GeoLinks, Verizon.

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