2698 Elm Cir, El Centro, CA 92243 Property Records

Imperial County property record for 2698 Elm Cir, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,778 sqft · built 2005
Lot Size	0.234 acres (10,199 sqft)
Owner	2 Individual Names on File
Last Sale	$462,000 (Dec 2016)
Tax Bill	$5,876 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`052-721-022-000`

Property Details

APN / Parcel Number

Primary APN	`052-721-022-000`
Alternative APNs	`0527212201` `05272122`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,778 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	10,199 sqft (0.234 acres)
Garage Type	Attached
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	2698 ELM CIR
City	EL CENTRO
State	CA
Zip	92243-6186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 BLK 1 OF RENAISSANCE SUBD UNIT NO 3 CITY OF EL CENTRO
Legal Subdivision	RENAISSANCE SUB
Legal Block	1
Legal Lot Number	22
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	2
Census Block	2008
Census Tract	11801

Owner

Source: Imperial County assessment roll, APN 052-721-022-000, as of August 18, 2026 · Last verified August 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 File
Mailing Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit USU COMMUNITY FEDERAL CREDIT UNION
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 26, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Apr 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 09, 2016 · Amount on Record
Deed Sale	Dec 09, 2016 · Amount on Record
Prior Sale	Apr 29, 2009 · Amount on Record
Deed Document Number	201626513
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Recording Date	May 22, 2026
Property Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Document Number	0000007713
Instrument Date	May 18, 2026
Instrument	20267713
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2698 ELM CIR, EL CENTRO, CA 92243-6186

Mortgage

Document Number	0000007713,
Date	May 22, 2026
Instrument	20267713

Lender

Name	USU COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2698 ELM CIR, EL CENTRO, CA 92243-6186

Mortgage

Document Number	0000005338
Date	Mar 14, 2022
Instrument	2022005338

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Nov 01, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021441
Date	Sep 26, 2017
Instrument	2017021441

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021442
Date	Sep 26, 2017
Instrument	2017021442

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006756
Date	Apr 18, 2019
Instrument	2019006756

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2698 ELM CIR, EL CENTRO, CA 92243-6186
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2698 ELM CIR, EL CENTRO, CA 92243-6186

Mortgage

Document Number	0000019735
Date	Oct 26, 2020
Instrument	2020019735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Imperial County assessment roll as of August 18, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	California
County	Imperial County
Municipality	El Centro City
Secondary School District	Central Union High School District (09 - 12)
Elementary School District	McCabe Union Elementary School District (KG - 08)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$554,223 (+2%) Land $87,041 Building $467,182
2025	$5,876.00 (+2.89%)	$543,357 (+4.4%) Land $85,335 Building $458,022
2023	$5,711.00 (+1.69%)	$520,464 Land $83,662 Building $436,802
2022	$5,616.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Imperial County (06025C), as of October 18, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 263 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, California Internet.

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