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Planned Unit Development (Pud)Residential
$684,150$409 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3908 AMERICAN RIVER RD

ONTARIO, CA 91761
4
Beds
3
Baths
1,671 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$684K
$646K low$722K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$319,150
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$255,320
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.50%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$208,000
ABN AMRO MORTGAGE GROUP INC · recorded Dec 13, 2002
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$101,000
BANK OF AMERICA NA
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$56,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,534 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$248,898 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$61,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$187,398

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.37
66
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
83
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.33 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Planned Unit Development (Pud)
StyleThe architectural style of the home, such as ranch or colonial.Modern
CountySAN BERNARDINO
Lot (acres)The size of the land the home sits on, from county records.0.19
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Tile
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 25 ft²Porch · 25 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Colony High SchoolC
High · Grades 9–12 · 0.3 mi
E
Creek View Elementary SchoolB-
Elementary · Grades KG–6 · 0.4 mi
M
Grace Yokley Middle SchoolB
Middle · Grades 7–8 · 1.0 mi

District: Mountain View Elementary School District

Neighborhood · ZIP 91761These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.49
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.344

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.68,469
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,960 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,860
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,436
Average tempThe average temperature here across a full year.64°F
Annual precipHow much rain and melted snow falls here in a typical year.17 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3908 American River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 83% of homes in Creekside
  • Costs more per square foot than 76% of homes in San Bernardino County
  • Bigger than 83% of homes in Creekside
  • Has a bigger lot than 98% of homes in Creekside
  • Newer than 78% of homes in Creekside

What homes are worth in Ontario 91761

Each bar is how many homes fall in that price range. The marker is this home.

This home
$358K$958K

This home is worth more than 56% of homes in Ontario 91761.

How it measures up in Ontario 91761

The dot is this home. The mark in the middle is the typical home in Ontario 91761.

Estimated value$684,150
CheaperTypical $661,149Pricier

Pricier than 56% of homes nearby

Price per ft²$409
CheaperTypical $398Pricier

Pricier than 56% of homes nearby

Living area1,671 ft²
SmallerTypical 1,596 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.19 ac
SmallerTypical 0.14 acBigger

Bigger than 90% of homes nearby

Year built1987
OlderTypical 1987Newer

Newer than 52% of homes nearby

How 3908 American River Rd ranks against every home in each area.
MeasureThis homeCreeksideOntario 91761San Bernardino County
Estimated valuepricier than$684,15083% of homes56% of homes77% of homes
Price per ft²pricier than$40945% of homes56% of homes76% of homes
Living areabigger than1,671 ft²83% of homes56% of homes55% of homes
Lot sizebigger than0.19 ac98% of homes90% of homes55% of homes
Year builtnewer than198778% of homes52% of homes58% of homes

About 3908 American River Rd

How much is 3908 American River Rd, Ontario, CA worth?

The TopHap Estimate for 3908 American River Rd, Ontario, CA is $684,150 as of Jul 14, 2026. The likely range is $646,245 to $722,055. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3908 American River Rd, Ontario, CA last sell?

3908 American River Rd, Ontario, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3908 American River Rd, Ontario, CA?

3908 American River Rd, Ontario, CA has 4 bedrooms, 3 bathrooms, 1,671 square feet of living space and a 0.19-acre lot.

When was 3908 American River Rd, Ontario, CA built?

3908 American River Rd, Ontario, CA was built in 1987, making it 39 years old. It is a modern home. The building has 2 stories.

What schools serve 3908 American River Rd, Ontario, CA?

3908 American River Rd, Ontario, CA is assigned to Colony High School (high), rated C; Creek View Elementary School (elementary), rated B-; Grace Yokley Middle School (middle), rated B. All sit in Mountain View Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3908 American River Rd, Ontario, CA compare to other homes in Ontario 91761?

Among the 19,413 homes in Ontario 91761, it is worth more than 56% of them ($684,150 against a typical $661,149), its price per square foot is higher than 56% of them ($409 against a typical $398), it is bigger than 56% of them (1,671 ft² against a typical 1,596 ft²), its lot is bigger than 90% of them (0.19 ac against a typical 0.14 ac) and it is newer than 52% of them (1987 against a typical 1987). Measured against all of San Bernardino County, it is worth more than 77% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3908 American River Rd, Ontario, CA?

The 2025 property tax bill for 3908 American River Rd, Ontario, CA was $2,534. The county assessed it at $248,898.

Closest homes

More homes in Ontario 91761

Assigned schools

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