1306 Echo Ridge Ter, Chula Vista, CA 91915 Property Records

San Diego County property record for 1306 Echo Ridge Ter, Chula Vista, CA 91915

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,278 sqft · built 2009
Lot Size	0.223 acres (9,731 sqft)
Owner	Individual Name on File
Last Sale	$1,515,000 (Dec 2021)
Tax Bill	$22,030 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Jan 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`643-510-46-00`

Property Details

APN / Parcel Number

Primary APN	`643-510-46-00`
Alternative APN	`6435103700`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,278 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	9,731 sqft (0.223 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	6435103700
Street Address	1306 ECHO RIDGE TER
City	CHULA VISTA
State	CA
Zip	91915-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC5RE2
Legal Description	LOT 7 TR 015270
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	015270
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	13320

Owner

1306 Echo Ridge Ter is owned and occupied by an individual who acquired it in September 2026.

Source: San Diego County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 1, 2026	Grant Deed, Transfer · Conventional Mortgage HOMEOWNERSHIP CENTER
Jan 9, 2023	Intrafamily Transfer, Transfer
Dec 6, 2021	Grant Deed, Transfer · Conventional Mortgage NORTH AMERICAN FINANCIAL CORP
Aug 18, 2017	Grant Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Aug 18, 2017 · Amount on File
Deed Document Number	2021827101
Last Transfer Date	Sep 21, 2026
Transfer Doc	0000286104
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2026
Property Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619
Document Number	0000286104
Instrument Date	Sep 21, 2026
Instrument	2026286104
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000286105,
Date	Oct 1, 2026
Instrument	2026286105

Lender

Name	HOMEOWNERSHIP CENTER

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 22, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 9, 2023
Property Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619
Document Number	0000005777
Map Reference	MAP 15270
Instrument Date	Dec 15, 2022
Instrument	2023-0005777
Transaction Type	Transfer
Record Updated	Jan 17, 2023

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	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2021
Property Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619
Document Number	0000827101
Map Reference	MAP 15270
Instrument Date	Oct 15, 2021
Instrument	2021-0827101
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619

Mortgage

Document Number	0000827102
Date	Dec 6, 2021
Instrument	2021-0827102

Lender

Name	NORTH AMERICAN FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 18, 2017
Property Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619
Document Number	0000378245
Map Reference	MAP15270
Instrument Date	Jul 13, 2017
Instrument	2017-0378245
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1306 ECHO RIDGE TER, CHULA VISTA, CA 91915-1619

Mortgage

Document Number	0000378246
Date	Aug 18, 2017
Instrument	2017-0378246

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Mortgage

Document Number	0000378247
Date	Aug 18, 2017
Instrument	2017-0378247

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1306 Echo Ridge Ter was $22,030.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Chula Vista City
Elementary School District	Chula Vista Elementary School District (KG - 06)
Secondary School District	Sweetwater Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,639,884 (+2%) Land $822,648 Building $817,236
2025	$22,030.00	$1,607,730 Land $806,518 Building $801,212
2023	$21,202.00 (+3.15%)	$1,545,300 Land $775,200 Building $770,100
2022	$20,554.00

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

Flood

FEMA maps place 1306 Echo Ridge Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 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

Wildfire risk around 1306 Echo Ridge Ter is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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	Barona North tribal government · serves 1,171 people · EPA ID 090600118
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	4 ppb (2023–2025) action level 15 ppb
Copper	2.34 mg/L (2020–2022) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 717 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35

May also be available: Verizon.

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