1638 Irwin St, Chula Vista, CA 91913 Property Records

San Diego County property record for 1638 Irwin St, Chula Vista, CA 91913

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,883 sqft · built 2012
Lot Size	0.62 acres (2,720 sqft)
Owner	Individual Name on File
Last Sale	$599,000 (Sep 2018)
Tax Bill	$14,030 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage May 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`644-292-31-00`

Property Details

APN / Parcel Number

Primary APN	`644-292-31-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,883 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	2,720 sqft (0.62 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1638 IRWIN ST
City	CHULA VISTA
State	CA
Zip	91913-4304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC14RM1
Legal Description	LOT 155 TR 015282
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	015282
Legal Block	2
Legal Lot Number	155
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2024
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	Individual Name on File
Mailing Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 6, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 25, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jun 21, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 25, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 25, 2018	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Prior Sale	May 19, 2015 · Amount on File
Deed Document Number	2018400008
Prior Transfer Date	Aug 16, 2018
Prior Transfer Doc	0000400009
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	0000301943
Date	Oct 28, 2025
Instrument	2025-0301943

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	0000197567
Date	May 6, 2022
Instrument	2022-0197567

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	0000101139
Date	Feb 9, 2021
Instrument	2021-0101139

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000163133
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1638 IRWIN ST CHULA VISTA CA 919134304, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	0000163133
Date	Mar 30, 2020
Instrument	163133

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000253907
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1638 IRWIN ST CHULA VISTA CA 919134304, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	0000253907
Date	Jun 27, 2019
Instrument	253907

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 25, 2018
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000400009
Instrument Date	Aug 16, 2018
Instrument	400009
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1638 IRWIN ST CHULA VISTA CA 919134304, CHULA VISTA, CA 91913-4304

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 25, 2018
Property Address	1638 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000400008
Instrument Date	Aug 16, 2018
Instrument	400008
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$658.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1638 IRWIN ST CHULA VISTA CA 919134304, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	400010
Date	Sep 25, 2018
Instrument	400010

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 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		$681,552 (+2%) Land $191,787 Building $489,765
2025	$14,030.00 (+5.31%)	$668,189 (+4.04%) Land $188,027 Building $480,162
2023	$13,323.00 (+3.4%)	$642,245 Land $180,727 Building $461,518
2022	$12,885.00

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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