860 Emerson St, Upland, CA 91784 Property Records

San Bernardino County property record for 860 Emerson St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,724 sqft · built 1977
Lot Size	0.231 acres (10,080 sqft)
Owner	2 Individual Names on File
Last Sale	$1,215,000 (Dec 2025)
Tax Bill	$10,377 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1043-271-42-0000`

Property Details

APN / Parcel Number

Primary APN	`1043-271-42-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,724 sqft Living Area
Gross Area	3,354 sqft
1st Floor Area	1,560 sqft
2nd Floor Area	1,164 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Modern
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	112 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	432 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	860 EMERSON ST
City	UPLAND
State	CA
Zip	91784-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 9145 LOT 35
Legal Subdivision	TRACT NO 9145
Legal Tract	9145
Legal Block	2
Legal Lot Number	35
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2001
Census Tract	814

Owner

860 Emerson St is owned and occupied by two individuals who bought it in December 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	860 EMERSON ST, UPLAND, CA 91784-1235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 2, 2025	Grant Deed, Transfer · Conventional Mortgage NMSI INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on File
Deed Sale	Dec 2, 2025 · Amount on File
Prior Sale	Jun 12, 2025 · Amount on File
Deed Document Number	2025295566
Prior Transfer Date	Jun 24, 2024
Prior Transfer Doc	0000159289
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	860 EMERSON ST, UPLAND, CA 91784-1235
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 EMERSON ST, UPLAND, CA 91784-1235

Mortgage

Document Number	0000347349
Date	Aug 2, 2021
Instrument	2021-0347349

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.82%
Type Change Date	Aug 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.82%
Index	Other
Margin	3
Max Rate	7.82%

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Dec 2, 2025
Property Address	860 EMERSON ST, UPLAND, CA 91784-1235
Document Number	0000295566
Map Reference	MB 130 PG 52&53
Instrument Date	Nov 26, 2025
Instrument	2025-0295566
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL 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	860 EMERSON ST, UPLAND, CA 91784-1235

Mortgage

Document Number	0000295567
Date	Dec 2, 2025
Instrument	2025-0295567

Lender

Name	NMSI INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 860 Emerson St was $10,377.

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		$1,215,000 (+27.25%) Land $303,750 Building $911,250
2025	$10,377.00 Homeowner's exemption	$954,835 Land $334,192 Building $620,643
2023	$9,896.00 (+13.24%) Homeowner's exemption	$917,758 Land $321,215 Building $596,543
2022	$8,739.00

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

Flood

FEMA maps place 860 Emerson St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.

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 Claims	1 (1992)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1992 · Rain/snow/wind Storms, Flooding, Mudslides

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

Wildfire risk around 860 Emerson St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 481 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

Nearby Properties on Emerson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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