2535 Whispering Palms Loop, Chula Vista, CA 91915 Property Records

San Diego County property record for 2535 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	1.64 acres (71,561 sqft)
Owner	2 Individual Names on Record
Last Sale	$569,000 (Nov 2018)
Tax Bill	$5,452 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`595-321-48-15`

Property Details

APN / Parcel Number

Primary APN	`595-321-48-15`

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	71,561 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2535 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 14 US15 PER DOC93-682051&UND INT IN TR 012923
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	012923
Legal Block	1
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	2535 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Aug 7, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 7, 2018	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018 · Amount on Record
Deed Sale	Nov 7, 2018 · Amount on Record
Prior Sale	Jul 9, 2015 · Amount on Record
Deed Document Number	2018466633
Prior Transfer Date	Jun 26, 1998
Prior Transfer Doc	0000415269
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2535 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2535 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	0000718747
Date	Nov 16, 2020
Instrument	2020-0718747

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2535 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000330918
Date	Aug 7, 2019
Instrument	2019-0330918

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Bank
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 7, 2018
Property Address	2535 WHISPERING PALMS LOOP, CHULA VISTA, CA 91915-1401
Document Number	0000466633
Instrument Date	Oct 10, 2018
Instrument	466633
Transaction Type	Transfer
Record Updated	Nov 15, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$625.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2535 WHISPERING PALMS LOOP CHULA VISTA CA 919151401, CHULA VISTA, CA 91915-1401

Mortgage

Document Number	466634
Date	Nov 7, 2018
Instrument	466634

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2048

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		$647,418 (+2%) Land $202,855 Building $444,563
2025	$5,452.00 (+3.67%)	$634,725 (+4.04%) Land $198,878 Building $435,847
2023	$5,259.00 (-1.7%)	$610,079 Land $191,156 Building $418,923
2022	$5,350.00

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	0.02% 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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