348 Spruce St, Chula Vista, CA 91911 Property Records

San Diego County property record for 348 Spruce St, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,529 sqft · built 1971
Lot Size	0.168 acres (7,300 sqft)
Owner	2 Individual Names on File
Last Sale	$657,000 (Jan 2021)
Tax Bill	$6,409 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`620-590-15-00`

Property Details

APN / Parcel Number

Primary APN	`620-590-15-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,529 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	7,300 sqft (0.168 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	348 SPRUCE ST
City	CHULA VISTA
State	CA
Zip	91911-5537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 15 TR 006530
Legal Subdivision	NACION ESTATES
Legal Tract	006530
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	13306

Owner

348 Spruce St is owned and occupied by two individuals who bought it in January 2021.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage CORNERSTONE FIRST MORTGAGE INC
Jan 29, 2021	Grant Deed, Transfer · VA Mortgage BAY EQUITY LLC
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 3, 2017	Deed of Trust, Mortgage · VA Mortgage JMAC LENDING
May 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Prior Sale	Sep 21, 2015 · Amount on File
Deed Document Number	202171789
Prior Transfer Date	May 11, 2017
Prior Transfer Doc	0000235703
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537

Mortgage

Document Number	0000628571
Date	Oct 16, 2020
Instrument	2020-0628571

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 29, 2021
Property Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537
Document Number	0000071789
Map Reference	MAP 6530
Instrument Date	Jan 19, 2021
Instrument	2021-0071789
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount 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	348 SPRUCE ST, CHULA VISTA, CA 91911-5537

Mortgage

Document Number	0000071790
Date	Jan 29, 2021
Instrument	2021-0071790

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537
Document Number	0000147546
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	348 SPRUCE ST CHULA VISTA CA 919115537, CHULA VISTA, CA 91911-5537

Mortgage

Document Number	0000147546
Date	Mar 23, 2020
Instrument	147546

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 22, 2060

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537
Document Number	0000310645
Instrument Date	Jul 3, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	348 SPRUCE ST CHULA VISTA CA 919115537, CHULA VISTA, CA 91911-5537

Mortgage

Document Number	0000310645
Date	Jul 10, 2017
Instrument	310645

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 25, 2017
Property Address	348 SPRUCE ST, CHULA VISTA, CA 91911-5537
Document Number	0000235703
Instrument Date	May 11, 2017
Instrument	235703
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	348 SPRUCE ST CHULA VISTA CA 919115537, CHULA VISTA, CA 91911-5537

Tax Assessment & Valuation

The 2025 property tax bill for 348 Spruce St was $6,409 with a veteran's exemption.

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		$725,378 (+2%) Land $552,040 Building $173,338
2025	$6,409.00	$711,156 Land $541,216 Building $169,940
2023	$6,187.00 (+1.38%)	$683,542 Land $520,200 Building $163,342
2022	$6,103.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 348 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

The area around 348 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 580 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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