2845 Union St, San Diego, CA 92103 Property Records

San Diego County property record for 2845 Union St, San Diego, CA 92103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,078 sqft · built 1977
Lot Size	0.425 acres (18,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,095,000 (Aug 2019)
Tax Bill	$14,932 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`451-672-16-00`

Property Details

APN / Parcel Number

Primary APN	`451-672-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,078 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	18,497 sqft (0.425 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2845 UNION ST
City	SAN DIEGO
State	CA
Zip	92103-6031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR-1-1
Legal Description	LOT 4 TR 008255
Legal Subdivision	UNION SUB
Legal Tract	008255
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1006
Census Tract	6100

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	2845 UNION ST, SAN DIEGO, CA 92103-6031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 13, 2019	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Prior Sale	Jun 3, 2002 · Amount on Record
Deed Document Number	2019341923
Prior Transfer Date	May 26, 2010
Prior Transfer Doc	0000266988
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2845 UNION ST, SAN DIEGO, CA 92103-6031
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1942 TIMBER LN, BOULDER, CO 80304-0486

Mortgage

Document Number	0000395986
Date	May 26, 2021
Instrument	2021-0395986

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2019
Property Address	2845 UNION ST, SAN DIEGO, CA 92103-6031
Document Number	0000341923
Map Reference	MAP 8255
Instrument Date	Jul 3, 2019
Instrument	2019-0341923
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	2845 UNION ST, SAN DIEGO, CA 92103-6031

Mortgage

Document Number	0000341924
Date	Aug 13, 2019
Instrument	2019-0341924

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	9.12%

Mortgage

Document Number	0000341925
Date	Aug 13, 2019
Instrument	2019-0341925

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,221,488 (+2%) Land $892,413 Building $329,075
2025	$14,932.00 (+6.29%) Homeowner's exemption	$1,197,538 (+4.04%) Land $874,915 Building $322,623
2023	$14,049.00 (+2.75%) Homeowner's exemption	$1,151,039 Land $840,942 Building $310,097
2022	$13,673.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2014 · rainfall accumulation

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	Not rated no burnable land 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	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 640 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Google Fiber.

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