1635 Irwin St, Chula Vista, CA 91913 Property Records

San Diego County property record for 1635 Irwin St, Chula Vista, CA 91913

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,439 sqft · built 2011
Lot Size	0.98 acres (4,250 sqft)
Owner	2 Individual Names on File
Last Sale	$444,000 (Dec 2011)
Tax Bill	$12,117 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`644-292-37-00`

Property Details

APN / Parcel Number

Primary APN	`644-292-37-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,439 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Lot Area	4,250 sqft (0.98 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1635 IRWIN ST
City	CHULA VISTA
State	CA
Zip	91913-4305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC14SF4
Legal Description	LOT 161 TR 015282
Legal Subdivision	OTAY RANCH SPA
Legal Tract	015282
Legal Block	2
Legal Lot Number	161
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2022
Census Tract	13317

Owner

Source: San Diego County records, as of July 28, 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 Record	2 Individual Names on File
Mailing Address	1635 IRWIN ST, CHULA VISTA, CA 91913-4305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Feb 7, 2018	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2011 · Amount on File
Deed Sale	Dec 15, 2011 · Amount on File
Deed Document Number	2011675228
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1635 IRWIN ST, CHULA VISTA, CA 91913-4305
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 IRWIN ST, CHULA VISTA, CA 91913-4305

Mortgage

Document Number	0000156284
Date	Apr 11, 2022
Instrument	2022-0156284

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2027
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5%
Index	5-Year CMT
Margin	2
Max Rate	8%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1635 IRWIN ST, CHULA VISTA, CA 91913-4305
Document Number	0000194782
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1635 IRWIN ST CHULA VISTA CA 919134305, CHULA VISTA, CA 91913-4305

Mortgage

Document Number	0000194782
Date	May 22, 2019
Instrument	194782

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 21, 2039

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1635 IRWIN ST, CHULA VISTA, CA 91913-4305
Document Number	0000054475
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Feb 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1635 IRWIN ST CHULA VISTA CA 919134305, CHULA VISTA, CA 91913-4305

Mortgage

Document Number	0000054475
Date	Feb 12, 2018
Instrument	54475

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

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		$568,470 (+2%) Land $179,358 Building $389,112
2025	$12,117.00 (+5.12%) Homeowner's exemption	$557,325 (+4.04%) Land $175,842 Building $381,483
2023	$11,527.00 (+3.26%) Homeowner's exemption	$535,685 Land $169,015 Building $366,670
2022	$11,163.00

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

Flood

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
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.04% 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	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
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 509 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GeoLinks, Wyyerd Connect.

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