San Diego County property record for 320 Spruce St, Chula Vista, CA 91911
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,529 sqft · built 1969 |
| Lot Size | 0.28 acres (12,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,500 (Apr 1998) |
| Tax Bill | $3,233 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 620-510-44-00 |
| Primary APN | 620-510-44-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,529 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 12,200 sqft (0.28 acres) |
| View / Lot | Good |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 320 SPRUCE ST |
|---|---|
| City | CHULA VISTA |
| State | CA |
| Zip | 91911-5538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 44 TR 006049 |
| Legal Subdivision | FLAIR ANNEX |
| Legal Tract | 006049 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 13306 |
320 Spruce St is owned and occupied by two individuals who bought it in April 1998.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 SPRUCE ST, CHULA VISTA, CA 91911-5538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1998 · Amount on File |
| Deed Sale | Apr 1, 1998 · Amount on File |
| Prior Sale | Apr 5, 1985 · Amount on File |
| Deed Document Number | 1998183010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 320 SPRUCE ST, CHULA VISTA, CA 91911-5538 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 320 SPRUCE ST, CHULA VISTA, CA 91911-5538 |
| Document Number | 0000323770 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 2023-0323770 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 320 SPRUCE ST, CHULA VISTA, CA 91911-5538 |
| Document Number | 0000060982 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 320 SPRUCE ST CHULA VISTA CA 919115538, CHULA VISTA, CA 91911-5538 |
| Document Number | 0000060982 |
|---|---|
| Date | Feb 6, 2020 |
| Instrument | 60982 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2050 |
The 2025 property tax bill for 320 Spruce St was $3,233 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $280,923 (+2%) Land $70,032 Building $210,891 | |
| 2025 | $3,233.00 Homeowner's exemption | $275,415 Land $68,659 Building $206,756 |
| 2023 | $3,074.00 (+3.02%) Homeowner's exemption | $264,722 Land $65,994 Building $198,728 |
| 2022 | $2,984.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 320 Spruce St 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 risk around 320 Spruce St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wyyerd Connect Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile.
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