3981 Charles St, La Mesa, CA 91941 Property Records

San Diego County property record for 3981 Charles St, La Mesa, CA 91941

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 2000
Lot Size	0.147 acres (6,400 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Jun 2021)
Tax Bill	$10,131 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`474-362-16-00`

Property Details

APN / Parcel Number

Primary APN	`474-362-16-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	936 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	6,400 sqft (0.147 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3981 CHARLES ST
City	LA MESA
State	CA
Zip	91941-7516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4 POR TR LS0005
Legal Subdivision	RANCHO MISSION
Legal Tract	LS0005
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	14500

Owner

3981 Charles St is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3981 CHARLES ST, LA MESA, CA 91941-7516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jun 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Jun 8, 2021	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Jun 1, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
May 24, 2018	Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Mar 22, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY-SD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Prior Sale	May 24, 2018 · Amount on File
Deed Document Number	2021424220
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3981 CHARLES ST, LA MESA, CA 91941-7516
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217279
Date	Jun 5, 2019
Instrument	2019-0217279

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 8, 2021
Property Address	3981 CHARLES ST, LA MESA, CA 91941-7516
Document Number	0000424220
Instrument Date	May 20, 2021
Instrument	2021-0424220
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	3981 CHARLES ST, LA MESA, CA 91941-7516

Mortgage

Document Number	0000424221
Date	Jun 8, 2021
Instrument	2021-0424221

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3981 CHARLES ST, LA MESA, CA 91941-7516
Document Number	0000289463
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3981 CHARLES ST LA MESA CA 919417516, LA MESA, CA 91941-7516

Mortgage

Document Number	0000289463
Date	Jun 5, 2020
Instrument	289463

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2018
Property Address	3981 CHARLES ST, LA MESA, CA 91941-7516
Document Number	0000211514
Map Reference	MAP 5
Instrument Date	May 11, 2018
Instrument	2018-0211514
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	3981 CHARLES ST, LA MESA, CA 91941-7516

Mortgage

Document Number	0000211515
Date	May 24, 2018
Instrument	2018-0211515

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2018
Property Address	3981 CHARLES ST, LA MESA, CA 91941-7516
Document Number	0000113989
Instrument Date	Mar 19, 2018
Instrument	113989
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	CHICAGO TITLE COMPANY-SD

Transaction

Amount	Amount on Record
Tax	$454.85
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	PO BOX 34626 SAN DIEGO CA 921634626, SAN DIEGO, CA 92163-4626

Tax Assessment & Valuation

The 2025 property tax bill for 3981 Charles St was $10,131.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	La Mesa City
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	Lemon Grove Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$745,252 (+2%) Land $441,631 Building $303,621
2025	$10,131.00	$730,640 Land $432,972 Building $297,668
2023	$9,045.00 (+1.3%)	$702,270 Land $416,160 Building $286,110
2022	$8,929.00

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

Flood

FEMA maps place 3981 Charles 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 3981 Charles 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 790 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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