Flowers - I have not seen them. White - spring or early summer.
Fruit are attractive. Dark brown follicles opening up to release orange seeds which are covered with lots of dry hairs.
Can't say I agree with this but the person doing the tree inventory at Cabrillo thought ours were ficus… ? Hard to mistake the trunk, even a young one. The foliage is variable making it difficult if thats all you look at.
Cabrillo college parking lot (M) near the children's center building 1700.
216 Central Ave is a young one.