325 E James St, Chula Vista, CA 91910 Property Records

San Diego County property record for 325 E James St, Chula Vista, CA 91910

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,523 sqft · built 1962
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$728,000 (Aug 2022)
Tax Bill	$9,025 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`639-450-17-00`

Property Details

APN / Parcel Number

Primary APN	`639-450-17-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,523 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	325 E JAMES ST
City	CHULA VISTA
State	CA
Zip	91910-6302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 54 TR 004767
Legal Subdivision	HILLTOP ESTATES
Legal Tract	004767
Legal Block	1
Legal Lot Number	54
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1016
Census Tract	13401

Owner

Source: San Diego County records, as of July 21, 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	325 E JAMES ST, CHULA VISTA, CA 91910-6302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 24, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on Record
Deed Sale	Aug 24, 2022 · Amount on Record
Prior Sale	Jun 13, 2013 · Amount on Record
Deed Document Number	2022341012
Prior Transfer Date	Sep 30, 2015
Prior Transfer Doc	0000517450
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	325 E JAMES ST, CHULA VISTA, CA 91910-6302
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 E JAMES ST, CHULA VISTA, CA 91910-6302

Mortgage

Document Number	0000011433
Date	Jan 14, 2026
Instrument	2026-0011433

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2022
Property Address	325 E JAMES ST, CHULA VISTA, CA 91910-6302
Document Number	0000341012
Map Reference	MAP 4767
Instrument Date	Aug 12, 2022
Instrument	2022-0341012
Transaction Type	Transfer
Record Updated	Sep 2, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Joint Tenants
Address	325 E JAMES ST, CHULA VISTA, CA 91910-6302

Mortgage

Document Number	0000341013
Date	Aug 24, 2022
Instrument	2022-0341013

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	325 E JAMES ST, CHULA VISTA, CA 91910-6302
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16641 CHARLES LN, HUNTINGTON BEACH, CA 92647-4603

Mortgage

Document Number	0000238610
Date	Mar 26, 2021
Instrument	2021-0238610

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$772,133 (+2%) Land $380,719 Building $391,414
2025	$9,025.00 (+7.2%)	$756,994 (+6.17%) Land $373,254 Building $383,740
2023	$8,419.00 (+52.85%)	$713,000 Land $351,000 Building $362,000
2022	$5,508.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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	SWEETWATER AUTHORITY serves 184,915 people · EPA ID CA3710025
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) 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 643 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	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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