2502 Whispering Palms Loop, Chula Vista, CA 91915 Property Records

San Diego County property record for 2502 Whispering Palms Loop, Chula Vista, CA 91915

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,559 sqft · built 1994
Lot Size	2.17 acres (94,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (May 2002)
Tax Bill	$4,418 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`595-321-50-21`

Property Details

APN / Parcel Number

Primary APN	`595-321-50-21`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,559 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Condo/Apartment
Lot Area	94,956 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2502 WHISPERING PALMS LOOP
City	CHULA VISTA
State	CA
Zip	91915-1402
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PC4RP8
Legal Description	LOT 16 US 21PER DOC94-096325&UND INT IN TR 012923
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	012923
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	13315

Owner

Source: San Diego County records, as of October 12, 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	2502 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2002 · Amount on Record
Deed Sale	May 10, 2002 · Amount on Record
Prior Sale	Jun 3, 1994 · Amount on Record
Deed Document Number	2002399663
Last Transfer Date	Dec 20, 2002
Transfer Doc	0000018677
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 2, 2026
Property Address	2502 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1402
Document Number	0000287020
Instrument Date	Sep 25, 2026
Instrument	2026287020
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	WFG NATIONAL TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2502 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1402

Mortgage

Document Number	0000287020,
Date	Oct 2, 2026
Instrument	2026287020

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2502 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129316
Date	Apr 2, 2018
Instrument	2018-0129316

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$385,736 (+2%) Land $135,610 Building $250,126
2025	$4,418.00 (+5.44%) Homeowner's exemption	$378,173 (+4.04%) Land $132,951 Building $245,222
2023	$4,190.00 (+2.92%) Homeowner's exemption	$363,490 Land $127,790 Building $235,700
2022	$4,071.00

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	3 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	0.01% annual chance
Exposure	None beyond 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	Barona North tribal government · serves 1,171 people · EPA ID 090600118
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	4 ppb (2023–2025) action level 15 ppb
Copper	2.34 mg/L (2020–2022) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 676 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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