1120 Locust St, San Diego, CA 92106 Property Records

San Diego County property record for 1120 Locust St, San Diego, CA 92106

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 2,023 sqft · built 2014
Lot Size	0.117 acres (5,104 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (Sep 2025)
Tax Bill	$12,811 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit May 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`531-316-06-03`

Property Details

APN / Parcel Number

Primary APN	`531-316-06-03`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	2,023 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Condo/Apartment
Lot Area	5,104 sqft (0.117 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1120 LOCUST ST
City	SAN DIEGO
State	CA
Zip	92106-2600
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-3-7
Legal Description	BLK 14 US C PER DOC14-0307022&UND INT IN LOT 6 TR 000305
Legal Subdivision	ROSEVILLE
Legal Tract	000305
Legal Block	14
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2026
Census Tract	21402

Owner

1120 Locust St, a condominium, is owned and occupied by an individual who bought it in September 2025.

Source: San Diego County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Feb 9, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 4, 2018	Deed of Trust, Mortgage MASSACHUSETTS INSTITUTE OF TECHOLOGY FED
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 23, 2021	Intrafamily Transfer, Transfer
Aug 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2025 · Amount on File
Deed Sale	Sep 5, 2025 · Amount on File
Prior Sale	Jun 9, 2015 · Amount on File
Deed Document Number	2025246044
Prior Transfer Date	Dec 21, 2021
Prior Transfer Doc	0000862457
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600

Mortgage

Document Number	0000097936
Date	Feb 9, 2021
Instrument	2021-0097936

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 28, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180748
Date	May 4, 2018
Instrument	2018-0180748

Lender

Name	MASSACHUSETTS INSTITUTE OF TECHOLOGY FED
Type	Non-Lending Institution
Address	CAMBRIDGE, MA 02139

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 30, 2028

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000596345
Date	Aug 20, 2021
Instrument	2021-0596345

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.29%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	8.29%
Index	1-Year LIBOR
Margin	2
Max Rate	8.29%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 23, 2021
Property Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600
Document Number	0000862457
Map Reference	MAP 165
Instrument Date	Dec 21, 2021
Instrument	2021-0862457
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1120 LOCUST ST, SAN DIEGO, CA 92106-2600
Document Number	0000378798
Instrument Date	Aug 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017
Title Company	BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 LOCUST ST SAN DIEGO CA 921062600, SAN DIEGO, CA 92106-2600

Mortgage

Document Number	0000378798
Date	Aug 18, 2017
Instrument	378798

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1120 Locust St was $12,811.

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,500,000 (+53.14%) Land $1,150,000 Building $350,000
2025	$12,811.00	$979,497 Land $600,920 Building $378,577
2023	$11,478.00 (+2.74%) Homeowner's exemption	$941,464 Land $577,587 Building $363,877
2022	$11,172.00

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

Flood

FEMA maps place 1120 Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1120 Locust 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 SAN DIEGO serves 1,408,937 people · EPA ID CA3710020
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 567 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30

May also be available: GeoLinks, Google Fiber, T-Mobile, Verizon.

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