1646 Irwin St, Chula Vista, CA 91913 Property Records

San Diego County property record for 1646 Irwin St, Chula Vista, CA 91913

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,508 sqft · built 2011
Lot Size	0.62 acres (2,720 sqft)
Owner	2 Company Names on File
Last Sale	$800,000 (Jul 2021)
Tax Bill	$15,460 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`644-292-33-00`

Property Details

APN / Parcel Number

Primary APN	`644-292-33-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,508 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Lot Area	2,720 sqft (0.62 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1646 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 157 TR 015282
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	015282
Legal Block	2
Legal Lot Number	157
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	2 Company Names on File
Mailing Address	1646 IRWIN ST, CHULA VISTA, CA 91913-4304
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE
Jul 6, 2021	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
May 17, 2019	Grant Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on File
Deed Sale	Jul 6, 2021 · Amount on File
Prior Sale	May 17, 2019 · Amount on File
Deed Document Number	2021485042
Prior Transfer Date	Jun 30, 2021
Prior Transfer Doc	0000485041
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2021
Property Address	1646 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000485041
Map Reference	MAP 15282
Instrument Date	Jun 30, 2021
Instrument	2021-0485041
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	LAWYERS TITLE

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	1646 IRWIN ST, CHULA VISTA, CA 91913-4304

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2021
Property Address	1646 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000485042
Map Reference	MAP 15282
Instrument Date	Jun 28, 2021
Instrument	2021-0485042
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	LAWYERS 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
Address	1646 IRWIN ST, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	0000485043
Date	Jul 6, 2021
Instrument	2021-0485043

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 17, 2019
Property Address	1646 IRWIN ST, CHULA VISTA, CA 91913-4304
Document Number	0000188026
Instrument Date	Apr 26, 2019
Instrument	188026
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$649.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1646 IRWIN ST CHULA VISTA CA 919134304, CHULA VISTA, CA 91913-4304

Mortgage

Document Number	188027
Date	May 17, 2019
Instrument	188027

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2049

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		$865,941 (+2%) Land $499,017 Building $366,924
2025	$15,460.00 (+5.29%) Homeowner's exemption	$848,963 (+4.04%) Land $489,233 Building $359,730
2023	$14,683.00 (+3.26%) Homeowner's exemption	$815,999 Land $470,237 Building $345,762
2022	$14,219.00

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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