3940 Gresham St, Unit 231, San Diego, CA 92109 Property Records

San Diego County property record for 3940 Gresham St, Unit 231, San Diego, CA 92109

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,559 sqft · built 1974
Lot Size	2 acres (87,193 sqft)
Owner	Company Name on File
Last Sale	$825,000 (Oct 2013)
Tax Bill	$12,598 (2025)
Deeds & Mortgages	Oct 2022 Transfer Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`423-381-22-56`

Property Details

APN / Parcel Number

Primary APN	`423-381-22-56`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,559 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Condo/Apartment
Lot Area	87,193 sqft
View / Lot	Ocean
Garage Type	Attached

Location & Zoning

Street Address	3940 GRESHAM ST, 231
City	SAN DIEGO
State	CA
Zip	92109-5877
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2-5
Legal Description	LOT 93 US 64DOC73-3543&UND INT IN LOTS 39 THRU 41&IN TR 001864
Legal Subdivision	SOUTHERN TITLE GUARANTY COS SU
Legal Tract	001864
Legal Block	1
Legal Lot Number	39-41
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	7701

Owner

3940 Gresham St, Unit 231 is owned by a company that acquired it in September 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	3940 GRESHAM ST, 231, SAN DIEGO, CA 92109-5877
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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 24, 2022	Intrafamily Transfer, Transfer
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit HSBC BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2013 · Amount on File
Deed Sale	Oct 31, 2013 · Amount on File
Prior Sale	Aug 28, 2009 · Amount on File
Deed Document Number	2013652089
Last Transfer Date	Sep 15, 2022
Transfer Doc	0000409397
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2022
Property Address	3940 GRESHAM ST UNIT 231, 231, SAN DIEGO, CA 92109-5877
Document Number	0000409397
Map Reference	MAP 1864
Instrument Date	Sep 15, 2022
Instrument	2022-0409397
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	3940 GRESHAM ST UNIT 231, 231, SAN DIEGO, CA 92109-5877

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3940 GRESHAM ST UNIT 231, 231, SAN DIEGO, CA 92109-5877
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 GRESHAM ST, SAN DIEGO, CA 92109-5806

Mortgage

Document Number	0000171955
Date	Apr 20, 2022
Instrument	2022-0171955

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.22%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.22%
Index	Other
Margin	3
Max Rate	8.22%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3940 GRESHAM ST UNIT 231, 231, SAN DIEGO, CA 92109-5877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110041
Date	Mar 28, 2019
Instrument	2019-0110041

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3940 Gresham St, Unit 231 was $12,598 with a homeowner's exemption.

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		$1,031,552 (+2%) Land $844,001 Building $187,551
2025	$12,598.00 Homeowner's exemption	$1,011,326 Land $827,452 Building $183,874
2023	$11,853.00 (+2.74%) Homeowner's exemption	$972,057 Land $795,322 Building $176,735
2022	$11,537.00

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

Flood

FEMA maps place 3940 Gresham St, Unit 231 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 units insured incl. 6 condo units
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jan 1980 · 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

The area around 3940 Gresham St, Unit 231 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	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 952 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

Nearby Properties on Gresham St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures