321 Spruce St, Chula Vista, CA 91911 Property Records

San Diego County property record for 321 Spruce St, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,285 sqft · built 1968
Lot Size	0.26 acres (11,330 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,034 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`620-510-71-00`

Property Details

APN / Parcel Number

Primary APN	`620-510-71-00`
Alternative APN	`6205103300`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,285 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	11,330 sqft (0.26 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	6205103300
Street Address	321 SPRUCE ST
City	CHULA VISTA
State	CA
Zip	91911-5524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 33 (EX DOC84-379225)ALL OF TR 006049
Legal Subdivision	FLAIR ANNEX
Legal Tract	006049
Legal Block	2
Legal Lot Number	33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	13306

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	321 SPRUCE ST, CHULA VISTA, CA 91911-5524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Intrafamily Transfer, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC
Jan 4, 2023	Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 16, 2022	Grant Deed, Transfer · Commercial Mortgage ANCONIA CAPITAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2026
Deed Sale	Mar 18, 2026
Prior Sale	Jan 4, 2023 · Amount on Record
Deed Document Number	202674047
Prior Transfer Date	Mar 13, 2026
Prior Transfer Doc	0000074047
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2026
Property Address	321 SPRUCE ST, CHULA VISTA, CA 91911-5524
Document Number	0000074047
Map Reference	MAP 6049
Instrument Date	Mar 13, 2026
Instrument	2026-0074047
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	321 SPRUCE ST, CHULA VISTA, CA 91911-5524

Mortgage

Document Number	0000074048
Date	Mar 18, 2026
Instrument	2026-0074048

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 4, 2023
Property Address	321 SPRUCE ST, CHULA VISTA, CA 91911-5524
Document Number	0000002122
Map Reference	MAP 6049
Instrument Date	Nov 30, 2022
Instrument	2023-0002122
Transaction Type	Transfer
Record Updated	Jan 16, 2023
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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
Address	321 SPRUCE ST, CHULA VISTA, CA 91911-5524

Mortgage

Document Number	0000002123
Date	Jan 4, 2023
Instrument	2023-0002123

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2022
Property Address	321 SPRUCE ST, CHULA VISTA, CA 91911-5524
Document Number	0000367594
Map Reference	MAP 6049
Instrument Date	Aug 24, 2022
Instrument	2022-0367594
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	TICOR TITLE NLS, TICOR TITLE SD

Transaction

Amount	Amount Recorded
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
Address	321 SPRUCE ST, CHULA VISTA, CA 91911-5524

Mortgage

Document Number	0000367595
Date	Sep 16, 2022
Instrument	2022-0367595

Lender

Name	ANCONIA CAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$902,024 (-3.25%) Land $654,895 Building $247,129
2025	$11,034.00 (+9.3%) Homeowner's exemption	$932,338 (+27.72%) Land $642,054 Building $290,284
2024	$10,095.00 (-9.58%)
2023	$11,164.00 (+179.8%)	$730,000 Land $530,000 Building $200,000
2022	$3,990.00

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

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

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.

Drinking Water

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

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 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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