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965 Spruce St, San Bernardino, CA 92411 Property Records

San Bernardino County property record for 965 Spruce St, San Bernardino, CA 92411

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,390 sqft · built 1952
Lot Size0.154 acres (6,700 sqft)
Owner2 Individual Names on File
Last Sale$215,000 (Oct 2017)
Tax Bill$3,888 (2025)
Deeds & MortgagesAug 2020 Transfer
Aug 2020 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN0138-142-05-0000

Property Details

APN / Parcel Number

Primary APN0138-142-05-0000

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,390 sqft Living Area
1st Floor Area1,390 sqft
Family RoomFamily Room

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Architectural StyleConventional
Construction TypeFrame
Roof MaterialTile
Lot Area6,700 sqft (0.154 acres)
Lot Dimensions134 ft deep x 50 ft wide
PorchPatio/Porch
Porch Area360 sqft
Patio Area360 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemFloor/Wall Furnace
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address965 SPRUCE ST
CitySAN BERNARDINO
StateCA
Zip92411-2918
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWATERS AND BURT SUB LOT 9 BLK B AND 12 FT VAC ALLEY ON S
Legal SubdivisionWATERS & BURT SUBDIVISION
Legal BlockB
Legal Lot Number9
JurisdictionSAN BERNARDINO CA
Township / Civil DivisionSAN BERNARDINO
Census Block Group1
Census Block1002
Census Tract4800

Owner

965 Spruce St is owned and occupied by two individuals who acquired it in August 2020.

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 Record2 Individual Names on File
Mailing Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 13, 2020Quit Claim Deed, Transfer
LAWYERS TITLE
Aug 12, 2020Quit Claim Deed, Transfer
LAWYERS TITLE
Aug 12, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
PEOPLES DISCOUNT MORTGAGE INC
Oct 20, 2017Quit Claim Deed, Transfer
TICOR TITLE RIVERSIDE
Oct 20, 2017Grant Deed, Transfer · FHA Mortgage
PAC WEST HOME LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 20, 2017 · Amount on File
Deed SaleOct 20, 2017 · Amount on File
Prior SaleApr 16, 2014 · Amount on File
Deed Document Number2017435623
Last Transfer DateAug 10, 2020
Transfer Doc0000283971
Record UpdatedSep 20, 2026

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN BERNARDINO CA
Recording DateAug 13, 2020
Property Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918
Document Number0000283971
Instrument DateAug 10, 2020
Instrument283971
Transaction TypeTransfer
Record UpdatedSep 4, 2020
Title CompanyLAWYERS TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address965 SPRUCE ST SAN BERNARDINO CA 924112918, SAN BERNARDINO, CA 92411-2918

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN BERNARDINO CA
Recording DateAug 12, 2020
Property Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918
Document Number0000282800
Instrument DateJul 21, 2020
Instrument282800
Transaction TypeTransfer
Record UpdatedAug 31, 2020
Title CompanyLAWYERS TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address965 SPRUCE ST SAN BERNARDINO CA 924112918, SAN BERNARDINO, CA 92411-2918

August 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN BERNARDINO CA
Recording DateAug 12, 2020
Property Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918
Document Number0000282801
Map ReferenceMB 4 PG 42
Instrument DateJul 20, 2020
Instrument2020-0282801
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyLAWYERS TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918

Mortgage

Document Number0000282802
DateAug 12, 2020
Instrument2020-0282802
Lender
NamePEOPLES DISCOUNT MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueSep 1, 2040

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN BERNARDINO CA
Recording DateOct 20, 2017
Property Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918
Document Number0000435624
Instrument DateOct 5, 2017
Instrument435624
Transaction TypeTransfer
Record UpdatedOct 27, 2017
Title CompanyTICOR TITLE RIVERSIDE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address965 SPRUCE ST SAN BERNARDINO CA 924112918, SAN BERNARDINO, CA 92411-2918

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN BERNARDINO CA
Recording DateOct 20, 2017
Property Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918
Document Number0000435623
Map ReferenceMAP4 PG42
Instrument DateSep 22, 2017
Instrument2017-0435623
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyTICOR TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address965 SPRUCE ST, SAN BERNARDINO, CA 92411-2918

Mortgage

Document Number0000435625
DateOct 20, 2017
Instrument2017-0435625
Lender
NamePAC WEST HOME LOANS
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 965 Spruce St was $3,888.

Source: San Bernardino County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Bernardino County
MunicipalitySan Bernardino City
Unified School DistrictSan Bernardino City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$303,993 (+2%) Land $80,157 Building $223,836
2025$3,888.00$298,032 Land $78,585 Building $219,447
2023$3,712.00 (-0.16%)$286,458 Land $75,533 Building $210,925
2022$3,718.00

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

Flood

FEMA maps place 965 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 965 Spruce 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 RiskNot 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 SystemSAN BERNARDINO CITY
serves 214,665 people · EPA ID CA3610039
Water SourceGroundwater
Last State InspectionJul 2021
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 225 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: GeoLinks, T-Mobile.

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