San Bernardino County property record for 963 Spruce St, San Bernardino, CA 92411
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 885 sqft · built 1970 |
| Lot Size | 0.154 acres (6,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Feb 2016) |
| Tax Bill | $3,105 (2025) |
| Deeds & Mortgages | May 2020 Loan Modification May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0138-142-06-0000 |
| Primary APN | 0138-142-06-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 885 sqft Living Area |
| Gross Area | 1,149 sqft |
| 1st Floor Area | 885 sqft |
| Family Room | Family Room |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,700 sqft (0.154 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 963 SPRUCE ST |
|---|---|
| City | SAN BERNARDINO |
| State | CA |
| Zip | 92411-2918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERS AND BURT SUB LOT 8 BLK B AND 12 FT VAC ALLEY ON S |
| Legal Subdivision | WATERS AND BURT |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | SAN BERNARDINO CA |
| Township / Civil Division | SAN BERNARDINO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 4800 |
963 Spruce St is owned and occupied by two individuals who acquired it in July 2018.
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 | 963 SPRUCE ST, SAN BERNARDINO, CA 92411-2918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 27, 2020 | Loan Modification, Mortgage · FHA Mortgage NATIONS DIRECT MTG |
| May 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 1, 2018 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2016 · Amount on File |
| Deed Sale | Feb 3, 2016 · Amount on File |
| Prior Sale | May 15, 2015 · Amount on File |
| Deed Document Number | 201644592 |
| Last Transfer Date | Jul 31, 2018 |
| Transfer Doc | 0000281064 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 963 SPRUCE ST, SAN BERNARDINO, CA 92411-2918 |
| Document Number | 0000245790 |
| Instrument Date | May 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 963 SPRUCE ST SAN BERNARDINO CA 924112918, SAN BERNARDINO, CA 92411-2918 |
| Document Number | 0000245790 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 245790 |
| Name | NATIONS DIRECT MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Property Address | 963 SPRUCE ST, SAN BERNARDINO, CA 92411-2918 |
| Document Number | 0000227863 |
| Instrument Date | May 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 963 SPRUCE ST SAN BERNARDINO CA 924112918, SAN BERNARDINO, CA 92411-2918 |
| Document Number | 0000227863 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 227863 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 7, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN BERNARDINO CA |
| Recording Date | Aug 1, 2018 |
| Property Address | 963 SPRUCE ST, SAN BERNARDINO, CA 92411-2918 |
| Document Number | 0000281064 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 281064 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 963 SPRUCE ST SAN BERNARDINO CA 924112918, SAN BERNARDINO, CA 92411-2918 |
The 2025 property tax bill for 963 Spruce St was $3,105.
Source: San Bernardino County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Bernardino County |
| Municipality | San Bernardino City |
| Unified School District | San Bernardino City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $239,697 (+2%) Land $71,624 Building $168,073 | |
| 2025 | $3,105.00 | $234,997 Land $70,220 Building $164,777 |
| 2023 | $2,964.00 (-0.13%) | $225,871 Land $67,493 Building $158,378 |
| 2022 | $2,968.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 963 Spruce 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 risk around 963 Spruce St is low, with less than 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 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SAN BERNARDINO CITY serves 214,665 people · EPA ID CA3610039 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 597 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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