2531 Whispering Palms Loop, Chula Vista, CA 91915 Property Records

San Diego County property record for 2531 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	2 Individual Names on File
Last Sale	$570,000 (Feb 2020)
Tax Bill	$7,481 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`595-321-49-38`

Property Details

APN / Parcel Number

Primary APN	`595-321-49-38`

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
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2531 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 38PER 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

2531 Whispering Palms Loop, a condominium, is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2531 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Feb 13, 2020	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2020 · Amount on File
Deed Sale	Feb 13, 2020 · Amount on File
Prior Sale	May 4, 1994 · Amount on File
Deed Document Number	202075460
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2531 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2531 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	0000136296
Date	Mar 28, 2022
Instrument	2022-0136296

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95834

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 13, 2020
Property Address	2531 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000075460
Map Reference	MAP 12923
Instrument Date	Jan 10, 2020
Instrument	2020-0075460
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

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	Community Property
Address	2531 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	0000075461
Date	Feb 13, 2020
Instrument	2020-0075461

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2531 Whispering Palms Loop was $7,481.

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		$635,840 (+2%) Land $139,035 Building $496,805
2025	$7,481.00	$623,373 Land $136,309 Building $487,064
2023	$6,996.00 (+2.87%)	$599,168 Land $131,017 Building $468,151
2022	$6,801.00

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

Flood

FEMA maps place 2531 Whispering Palms Loop in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2531 Whispering Palms Loop is low, with a 0.01% annual chance of 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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