197 Pepper Tree Rd, Chula Vista, CA 91910 Property Records

San Diego County property record for 197 Pepper Tree Rd, Chula Vista, CA 91910

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1959
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,500 (Oct 2000)
Tax Bill	$4,073 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`570-213-06-00`

Property Details

APN / Parcel Number

Primary APN	`570-213-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	197 PEPPER TREE RD
City	CHULA VISTA
State	CA
Zip	91910-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 19 POR TR 002207
Legal Subdivision	SUNNY VISTA
Legal Tract	002207
Legal Block	1
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	13401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA
Sep 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2000 · Amount on Record
Deed Sale	Oct 11, 2000 · Amount on Record
Prior Sale	May 31, 1990 · Amount on Record
Deed Document Number	2000547060
Last Transfer Date	May 19, 2015
Transfer Doc	0000318431
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155

Mortgage

Document Number	0000236438
Date	Jun 6, 2022
Instrument	2022-0236438

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Apr 21, 2062

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155

Mortgage

Document Number	0000658743
Date	Sep 17, 2021
Instrument	2021-0658743

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155

Mortgage

Document Number	0000241928
Date	Mar 29, 2021
Instrument	2021-0241928

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	197 PEPPER TREE RD, CHULA VISTA, CA 91910-3155
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198664
Date	Apr 20, 2020
Instrument	2020-0198664

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$348,099 (+2%) Land $163,405 Building $184,694
2025	$4,073.00 (+5.16%) Homeowner's exemption	$341,274 (+4.04%) Land $160,201 Building $181,073
2023	$3,873.00 (+3.01%) Homeowner's exemption	$328,024 Land $153,981 Building $174,043
2022	$3,760.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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	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 116 locations within half a mile, as of December 31, 2025

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

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

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