2781 Bear Valley Rd, Chula Vista, CA 91915 Property Records

San Diego County property record for 2781 Bear Valley Rd, Chula Vista, CA 91915

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,651 sqft · built 2004
Lot Size	1.55 acres (67,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$522,500 (Jul 2018)
Tax Bill	$8,850 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`643-520-52-10`

Property Details

APN / Parcel Number

Primary APN	`643-520-52-10`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,651 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Lot Area	67,589 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2781 BEAR VALLEY RD
City	CHULA VISTA
State	CA
Zip	91915-1673
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PC5RC
Legal Description	LOT 12 US102PER DOC03-1105510&UND INT IN LOT 11&IN TR 014486
Legal Subdivision	CHULA VISTA #01-01 VISTAS PH 2
Legal Tract	014486
Legal Block	1
Legal Lot Number	12,11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1007
Census Tract	13320

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	2781 BEAR VALLEY RD, CHULA VISTA, CA 91915-1673
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 20, 2019	Deed of Trust, Mortgage NAVY FCU
Jul 27, 2018	Grant Deed, Transfer ORION LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Mar 28, 2007 · Amount on Record
Deed Document Number	2018307378
Prior Transfer Date	Feb 12, 2015
Prior Transfer Doc	0000066708
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2781 BEAR VALLEY RD, CHULA VISTA, CA 91915-1673
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 BEAR VALLEY RD, CHULA VISTA, CA 91915-1673

Mortgage

Document Number	0000021148
Date	Jan 25, 2024
Instrument	2024-0021148

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2781 BEAR VALLEY RD, CHULA VISTA, CA 91915-1673
Document Number	0000199072
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2781 BEAR VALLEY RD CHULA VISTA CA 919151673, CHULA VISTA, CA 91915-1673

Mortgage

Document Number	0000199072
Date	May 24, 2019
Instrument	199072

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2018
Property Address	2781 BEAR VALLEY RD, CHULA VISTA, CA 91915-1673
Document Number	0000307378
Instrument Date	Jun 26, 2018
Instrument	307378
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$574.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2781 BEAR VALLEY RD CHULA VISTA CA 919151673, CHULA VISTA, CA 91915-1673

Mortgage

Document Number	307379
Date	Jul 27, 2018
Instrument	307379

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 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		$594,510 (+2%) Land $138,792 Building $455,718
2025	$8,850.00 (+3.82%)	$582,854 (+4.04%) Land $136,071 Building $446,783
2023	$8,524.00 (+3.02%)	$560,223 Land $130,788 Building $429,435
2022	$8,274.00

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	1 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	Indirect within 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 717 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35

May also be available: Verizon.

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