190 E Emerson St, Chula Vista, CA 91911 Property Records

San Diego County property record for 190 E Emerson St, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,821 sqft · built 1959
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$487,000 (Mar 2019)
Tax Bill	$7,414 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`575-514-08-00`

Property Details

APN / Parcel Number

Primary APN	`575-514-08-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	1,821 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	8,000 sqft (0.184 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	190 E EMERSON ST
City	CHULA VISTA
State	CA
Zip	91911-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 82 TR 003754
Legal Subdivision	CAIRNS MANOR
Legal Tract	003754
Legal Block	2
Legal Lot Number	82
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	13302

Owner

190 E Emerson St is owned and occupied by two individuals who bought it in March 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 5, 2022	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 26, 2019	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 4, 2019	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2019 · Amount on File
Deed Sale	Mar 4, 2019 · Amount on File
Deed Document Number	201977444
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510

Mortgage

Document Number	0000319704
Date	Aug 5, 2022
Instrument	2022-0319704

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510

Mortgage

Document Number	0000144695
Date	Feb 24, 2021
Instrument	2021-0144695

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000552334
Date	Nov 26, 2019
Instrument	2019-0552334

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 4, 2019
Property Address	190 E EMERSON ST, CHULA VISTA, CA 91911-3510
Document Number	0000077444
Map Reference	MAP 3754
Instrument Date	Jan 29, 2019
Instrument	2019-0077444
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

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	190 E EMERSON ST, CHULA VISTA, CA 91911-3510

Mortgage

Document Number	0000077445
Date	Mar 4, 2019
Instrument	2019-0077445

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 190 E Emerson St was $7,414.

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		$633,706 (+2%) Land $420,993 Building $212,713
2025	$7,414.00	$621,282 Land $412,739 Building $208,543
2023	$6,174.00 (+2.95%)	$522,159 Land $396,713 Building $125,446
2022	$5,997.00

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

Flood

FEMA maps place 190 E Emerson St 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

The area around 190 E Emerson 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	SWEETWATER AUTHORITY serves 184,915 people · EPA ID CA3710025
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) 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 717 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

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

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