2957 Union St, San Diego, CA 92103 Property Records

San Diego County property record for 2957 Union St, San Diego, CA 92103

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,033 sqft · built 2000
Lot Size	0.169 acres (7,365 sqft)
Owner	Individual Name on Record
Last Sale	$1,035,000 (Jun 2014)
Tax Bill	$15,821 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`451-644-13-00`

Property Details

APN / Parcel Number

Primary APN	`451-644-13-00`
Alternative APN	`4516441100`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,033 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	7,365 sqft (0.169 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Old Parcel Number	4516441100
Street Address	2957 UNION ST
City	SAN DIEGO
State	CA
Zip	92103-6033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2-5
Legal Description	BLK 110 LOT 2 N H OF LOT 3&ALL OF TR CC1-1874
Legal Subdivision	MIDDLETOWN
Legal Block	110
Legal Lot Number	2,3
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 August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2957 UNION ST, SAN DIEGO, CA 92103-6033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Oct 31, 2022	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2014 · Amount on Record
Deed Sale	Jun 6, 2014 · Amount on Record
Prior Sale	Jun 6, 2014 · Amount on Record
Deed Document Number	2014233771
Prior Transfer Date	Nov 13, 1998
Prior Transfer Doc	0000789013
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 30, 2026
Property Address	2957 UNION ST, SAN DIEGO, CA 92103-6033
Document Number	0000220051
Instrument Date	Jul 22, 2026
Instrument	2026220051
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 OCEAN FRONT, NEPTUNE BEACH, FL 32266-6045

Mortgage

Document Number	0000220051,
Date	Jul 30, 2026
Instrument	2026220051

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 3, 2066

Interest

Rate	6.49%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2957 UNION ST, SAN DIEGO, CA 92103-6033
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2957 UNION ST, SAN DIEGO, CA 92103-6033

Mortgage

Document Number	0000417938
Date	Oct 31, 2022
Instrument	2022-0417938

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Nov 2, 2062

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2957 UNION ST, SAN DIEGO, CA 92103-6033
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2957 UNION ST, SAN DIEGO, CA 92103-6033

Mortgage

Document Number	0000821084
Date	Dec 21, 2020
Instrument	2020-0821084

Lender

Name	BBVA USA
Type	Bank
Address	CARLSBAD, CA 92008

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Margin	2
Max Rate	7.87%

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		$1,250,371 (+2%) Land $875,262 Building $375,109
2025	$15,821.00 (+9.94%) Homeowner's exemption	$1,225,854 (+4.04%) Land $858,100 Building $367,754
2023	$14,391.00 (+2.75%) Homeowner's exemption	$1,178,255 Land $824,780 Building $353,475
2022	$14,006.00

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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