861 Emerson St, Upland, CA 91784 Property Records

San Bernardino County property record for 861 Emerson St, Upland, CA 91784

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,638 sqft · built 1977
Lot Size	0.237 acres (10,324 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Jan 2021)
Tax Bill	$9,208 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1043-271-53-0000`

Property Details

APN / Parcel Number

Primary APN	`1043-271-53-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,638 sqft Living Area
Gross Area	3,268 sqft
1st Floor Area	1,594 sqft
2nd Floor Area	1,044 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	Wood Shingle
Lot Area	10,324 sqft (0.237 acres)
Lot Dimensions	116 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio/Porch
Porch Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal

Location & Zoning

Street Address	861 EMERSON ST
City	UPLAND
State	CA
Zip	91784-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 9145 LOT 22
Legal Subdivision	TRACT NO 9145
Legal Tract	9145
Legal Block	2
Legal Lot Number	22
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	2
Census Block	2000
Census Tract	814

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	Individual Name on Record
Mailing Address	2921 NORSEWOOD DR, ROWLAND HEIGHTS, CA 91748-4840
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Jan 22, 2021	Grant Deed, Transfer COGGIN C H & J M L/TR (LT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Deed Document Number	202133255
Prior Transfer Date	Jul 10, 2009
Prior Transfer Doc	0000356157
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	861 EMERSON ST, UPLAND, CA 91784-1227
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 EMERSON ST, UPLAND, CA 91784-1227

Mortgage

Document Number	0000258704
Date	Oct 24, 2025
Instrument	2025-0258704

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Nov 1, 2035
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	11.6%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	861 EMERSON ST, UPLAND, CA 91784-1227
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 EMERSON ST, UPLAND, CA 91784-1227

Mortgage

Document Number	0000259097
Date	Oct 24, 2025
Instrument	2025-0259097

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BERNARDINO CA
Recording Date	Jan 22, 2021
Property Address	861 EMERSON ST, UPLAND, CA 91784-1227
Document Number	0000033255
Instrument Date	Jan 6, 2021
Instrument	33255
Transaction Type	Transfer
Record Updated	Feb 8, 2021
Title Company	TICOR TITLE RIVERSIDE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$853.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2921 NORSEWOOD DR ROWLAND HEIGHTS CA 917484840, ROWLAND HEIGHTS, CA 91748-4840

Mortgage

Document Number	33256
Date	Jan 22, 2021
Instrument	33256

Lender

Name	COGGIN C H & J M L/TR (LT)
Address	1892 FOX HILL RD, LYNCHBURG, VA 24503-6497

Agreement

Amount	Amount Recorded

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		$855,664 (+2%) Land $213,916 Building $641,748
2025	$9,208.00 (+4.83%) Homeowner's exemption	$838,887 (+4.04%) Land $209,722 Building $629,165
2023	$8,784.00 (+2.19%) Homeowner's exemption	$806,311 Land $201,578 Building $604,733
2022	$8,596.00

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 · 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

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.

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