2604 Covington Rd, San Diego, CA 92104 Property Records

San Diego County property record for 2604 Covington Rd, San Diego, CA 92104

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,341 sqft · built 1945
Lot Size	0.397 acres (17,300 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Apr 2011)
Tax Bill	$7,638 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454-641-26-00`

Property Details

APN / Parcel Number

Primary APN	`454-641-26-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,341 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	17,300 sqft (0.397 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2604 COVINGTON RD
City	SAN DIEGO
State	CA
Zip	92104-5216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-1
Legal Description	BLK 1 LOT 26 TR 002282
Legal Subdivision	LAUREL HEIGHTS
Legal Tract	002282
Legal Block	1
Legal Lot Number	26
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2018
Census Tract	4200

Owner

2604 Covington Rd is owned and occupied by an individual who bought it in April 2011.

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

Owner of Record	Individual Name on File
Mailing Address	2604 COVINGTON RD, SAN DIEGO, CA 92104-5216
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 4, 2018	Deed of Trust, Mortgage · Line of Credit WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2011 · Amount on File
Deed Sale	Apr 25, 2011 · Amount on File
Prior Sale	Jun 30, 2000 · Amount on File
Deed Document Number	2011213388
Prior Transfer Date	Mar 19, 1996
Prior Transfer Doc	0000134185
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 20, 2021
Property Address	2604 COVINGTON RD, SAN DIEGO, CA 92104-5216
Document Number	0000663714
Map Reference	MAP 2282
Instrument Date	Sep 15, 2021
Instrument	2021-0663714
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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

Mortgage

Document Number	0000663715
Date	Sep 20, 2021
Instrument	2021-0663715

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2020
Property Address	2604 COVINGTON RD, SAN DIEGO, CA 92104-5216
Document Number	0000140102
Map Reference	MAP 2282
Instrument Date	Feb 14, 2020
Instrument	2020-0140102
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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
Address	2604 COVINGTON RD, SAN DIEGO, CA 92104-5216

Mortgage

Document Number	0000140103
Date	Mar 18, 2020
Instrument	2020-0140103

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2604 COVINGTON RD, SAN DIEGO, CA 92104-5216
Document Number	0000153532
Instrument Date	Apr 4, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2604 COVINGTON RD SAN DIEGO CA 921045216, SAN DIEGO, CA 92104-5216

Mortgage

Document Number	0000153532
Date	Apr 18, 2018
Instrument	153532

Lender

Name	WFB NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2604 Covington Rd was $7,638 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$581,510 (+2%) Land $323,064 Building $258,446
2025	$7,638.00 Homeowner's exemption	$570,109 Land $316,730 Building $253,379
2023	$6,691.00 (+2.78%) Homeowner's exemption	$547,973 Land $304,432 Building $243,541
2022	$6,510.00

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

Flood

FEMA maps place 2604 Covington Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · Severe Storm And Flooding

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 2604 Covington Rd is low, with less than 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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	CITY OF SAN DIEGO serves 1,408,937 people · EPA ID CA3710020
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 730 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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