2786 Sutter Ridge Dr, Chula Vista, CA 91914 Property Records

San Diego County property record for 2786 Sutter Ridge Dr, Chula Vista, CA 91914

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,074 sqft · built 2005
Lot Size	0.427 acres (18,586 sqft)
Owner	Trust Name on File
Last Sale	$1,950,000 (Dec 2021)
Tax Bill	$28,414 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2021 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`595-802-14-00`

Property Details

APN / Parcel Number

Primary APN	`595-802-14-00`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	5,074 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	18,586 sqft (0.427 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	2786 SUTTER RIDGE DR
City	CHULA VISTA
State	CA
Zip	91914-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC5RL2
Legal Description	LOT 22 TR 014579
Legal Subdivision	CHULA VISTA TERRACE
Legal Tract	014579
Legal Block	1
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1012
Census Tract	13425

Owner

2786 Sutter Ridge Dr is owner-occupied and held in a trust since December 2021.

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

Owner of Record	Trust Name on File
Mailing Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Dec 1, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 6, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
May 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 1, 2019	Deed of Trust, Mortgage · VA Mortgage WORLD WIDE CREDIT
Jan 31, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jan 31, 2018	Grant Deed, Transfer · VA Mortgage WORLD WIDE CREDIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Jan 31, 2018 · Amount on File
Deed Document Number	2021819673
Prior Transfer Date	Jul 1, 2021
Prior Transfer Doc	0000485191
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 1, 2021
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000819673
Map Reference	MAP 14579
Instrument Date	Oct 23, 2021
Instrument	2021-0819673
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TTL SAN DIEGO

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	Living Trust
Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643

Mortgage

Document Number	0000819674
Date	Dec 1, 2021
Instrument	2021-0819674

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2021
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000485191
Map Reference	MAP 14579
Instrument Date	Jul 1, 2021
Instrument	2021-0485191
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 3, 2020
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000055479
Instrument Date	Dec 19, 2019
Instrument	55479
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2786 SUTTER RIDGE DR CHULA VISTA CA 919142643, CHULA VISTA, CA 91914-2643

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 3, 2019
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000560495
Instrument Date	Dec 2, 2019
Instrument	560495
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim 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	2786 SUTTER RIDGE DR CHULA VISTA CA 919142643, CHULA VISTA, CA 91914-2643

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2019
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000165657
Instrument Date	Apr 26, 2019
Instrument	165657
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2786 SUTTER RIDGE DR CHULA VISTA CA 919142643, CHULA VISTA, CA 91914-2643

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000131142
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2786 SUTTER RIDGE DR CHULA VISTA CA 919142643, CHULA VISTA, CA 91914-2643

Mortgage

Document Number	0000131142
Date	Apr 11, 2019
Instrument	131142

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	9089 CLAIREMONT MESA BLVD # 307, SAN DIEGO, CA 92123-1267

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2049

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 31, 2018
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000040113
Instrument Date	Jan 10, 2018
Instrument	40113
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	740 BAY BLVD CHULA VISTA CA 919105254, CHULA VISTA, CA 91910-5254

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 31, 2018
Property Address	2786 SUTTER RIDGE DR, CHULA VISTA, CA 91914-2643
Document Number	0000040114
Instrument Date	Dec 18, 2017
Instrument	40114
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
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	2786 SUTTER RIDGE DR CHULA VISTA CA 919142643, CHULA VISTA, CA 91914-2643

Mortgage

Document Number	40115
Date	Jan 31, 2018
Instrument	40115

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	9089 CLAIREMONT MESA BLVD # 307, SAN DIEGO, CA 92123-1267

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2786 Sutter Ridge Dr was $28,414.

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		$2,180,780 (+2%) Land $1,163,613 Building $1,017,167
2025	$28,414.00	$2,138,021 Land $1,140,798 Building $997,223
2023	$27,357.00 (+6.06%)	$2,055,000 Land $1,096,500 Building $958,500
2022	$25,793.00

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

Flood

FEMA maps place 2786 Sutter Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

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

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

Wildfire

Wildfire risk around 2786 Sutter Ridge Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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