3991 Charles St, La Mesa, CA 91941 Property Records

San Diego County property record for 3991 Charles St, La Mesa, CA 91941

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,738 sqft · built 1960
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Sep 2013)
Tax Bill	$7,235 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`474-362-20-00`

Property Details

APN / Parcel Number

Primary APN	`474-362-20-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,738 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	5,100 sqft (0.117 acres)

Location & Zoning

Street Address	3991 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

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	3991 CHARLES ST, LA MESA, CA 91941-7516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage RATE RABBIT HOME LOANS
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2013 · Amount on Record
Deed Sale	Sep 12, 2013 · Amount on Record
Prior Sale	Dec 18, 2012 · Amount on Record
Deed Document Number	2013564333
Last Transfer Date	Jan 26, 2015
Transfer Doc	0000053464
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3991 CHARLES ST, LA MESA, CA 91941-7516
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 CHARLES ST, LA MESA, CA 91941-7516

Mortgage

Document Number	0000629469
Date	Oct 16, 2020
Instrument	2020-0629469

Lender

Name	RATE RABBIT HOME LOANS
Type	Mortgage Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3991 CHARLES ST, LA MESA, CA 91941-7516
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 CHARLES ST, LA MESA, CA 91941-7516

Mortgage

Document Number	0000265650
Date	Jun 28, 2022
Instrument	2022-0265650

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	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		$506,392 (+2%) Land $187,551 Building $318,841
2025	$7,235.00 (+12.24%)	$496,464 (+4.04%) Land $183,874 Building $312,590
2023	$6,446.00 (+0.69%)	$477,187 Land $176,735 Building $300,452
2022	$6,402.00

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	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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