871 W Cumberland St, Upland, CA 91786 Property Records

San Bernardino County property record for 871 W Cumberland St, Upland, CA 91786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,460 sqft · built 1971
Lot Size	0.238 acres (10,374 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Mar 2009)
Tax Bill	$5,589 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1045-301-07-0000`

Property Details

APN / Parcel Number

Primary APN	`1045-301-07-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,460 sqft Living Area
Gross Area	1,966 sqft
1st Floor Area	1,460 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1972
Architectural Style	Modern
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,374 sqft (0.238 acres)
Lot Dimensions	133 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio/Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	871 W CUMBERLAND ST
City	UPLAND
State	CA
Zip	91786-2728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 8340 LOT 23
Legal Subdivision	TRACT NO 8340
Legal Tract	8340
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN BERNARDINO CA
Township / Civil Division	ONTARIO
Census Block Group	1
Census Block	1010
Census Tract	818

Owner

871 W Cumberland St is owned and occupied by two individuals who bought it in March 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2009 · Amount on File
Deed Sale	Mar 11, 2009 · Amount on File
Prior Sale	Aug 5, 2008 · Amount on File
Deed Document Number	2009102293
Prior Transfer Date	Aug 1, 2008
Prior Transfer Doc	0000355238
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728
Transaction Type	Mortgage
Record Updated	Nov 6, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728

Mortgage

Document Number	0000261548
Date	Oct 24, 2023
Instrument	2023-0261548

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728

Mortgage

Document Number	0000355333
Date	Aug 6, 2021
Instrument	2021-0355333

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102407
Date	Mar 23, 2018
Instrument	2018-0102407

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN BERNARDINO CA
Property Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	871 W CUMBERLAND ST, UPLAND, CA 91786-2728

Mortgage

Document Number	0000482219
Date	Dec 1, 2020
Instrument	2020-0482219

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 871 W Cumberland St was $5,589 with a homeowner's exemption.

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		$518,838 (+2%) Land $181,265 Building $337,573
2025	$5,589.00 Homeowner's exemption	$508,665 Land $177,711 Building $330,954
2023	$5,328.00 (+2.23%) Homeowner's exemption	$488,913 Land $170,810 Building $318,103
2022	$5,212.00

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

Flood

FEMA maps place 871 W Cumberland St in Zone X, an area of minimal flood risk.

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

The area around 871 W Cumberland St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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