2525 Whispering Palms Loop, Chula Vista, CA 91915 Property Records

San Diego County property record for 2525 Whispering Palms Loop, Chula Vista, CA 91915

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,236 sqft · built 1994
Lot Size	1.27 acres (55,476 sqft)
Owner	Company Name on Record
Last Sale	$635,000 (Sep 2020)
Tax Bill	$8,121 (2025)
Deeds & Mortgages	Aug 2022 Transfer Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`595-321-49-35`

Property Details

APN / Parcel Number

Primary APN	`595-321-49-35`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,236 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Condo/Apartment
Lot Area	55,476 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2525 WHISPERING PALMS LOOP
City	CHULA VISTA
State	CA
Zip	91915-1401
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PC4RP8
Legal Description	LOT 15 US 35PER DOC93-682048&UND INT IN TR 012923
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	012923
Legal Block	1
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	13315

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	Company Name on Record
Mailing Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Intrafamily Transfer, Transfer
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC
Sep 3, 2020	Quit Claim Deed TICOR TITLE SAN DIEGO BR
Sep 3, 2020	Grant Deed, Transfer · Conventional Mortgage OTTER INC
Jun 8, 2019	Deed of Trust, Mortgage · Conventional with PMI CASHCALL
Aug 26, 2017	Deed of Trust, Mortgage · Conventional with PMI CASHCALL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Prior Sale	May 16, 2016 · Amount on Record
Deed Document Number	2020511064
Last Transfer Date	Jul 18, 2022
Transfer Doc	0000322728
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 9, 2022
Property Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000322728
Map Reference	MAP 12923
Instrument Date	Jul 18, 2022
Instrument	2022-0322728
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	0000693803
Date	Oct 4, 2021
Instrument	2021-0693803

Lender

Name	ARC HOME LLC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

September 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 3, 2020
Property Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000511065
Instrument Date	Jul 28, 2020
Instrument	511065
Record Updated	Sep 16, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2525 WHISPERING PALMS LOOP CHULA VISTA CA 919151401, CHULA VISTA, CA 91915-1401

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 3, 2020
Property Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000511064
Instrument Date	Jul 24, 2020
Instrument	511064
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.00
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	2043 LAKERIDGE CIR #102 CHULA VISTA CA 919132367, 102, CHULA VISTA, CA 91913-2367

Mortgage

Document Number	511066
Date	Sep 3, 2020
Instrument	511066

Lender

Name	OTTER INC
Address	2542 CAMINITO MUIRFIELD, LA JOLLA, CA 92037-5810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000239094
Instrument Date	Jun 8, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2525 WHISPERING PALMS LOOP CHULA VISTA CA 919151401, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	0000239094
Date	Jun 19, 2019
Instrument	239094

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2525 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000402600
Instrument Date	Aug 26, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2525 WHISPERING PALMS LOOP CHULA VISTA CA 919151401, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	0000402600
Date	Sep 1, 2017
Instrument	402600

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

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		$701,086 (+2%) Land $294,000 Building $407,086
2025	$8,121.00 (+5.37%)	$687,340 (+4.04%) Land $288,236 Building $399,104
2023	$7,707.00 (+2.87%)	$660,652 Land $277,045 Building $383,607
2022	$7,492.00

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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