45 el Rancho Vista, Chula Vista, CA 91910 Property Records

San Diego County property record for 45 el Rancho Vista, Chula Vista, CA 91910

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,990 sqft · built 1966
Lot Size	0.357 acres (15,532 sqft)
Owner	Trust Name on File
Tax Bill	$6,446 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`574-393-04-00`

Property Details

APN / Parcel Number

Primary APN	`574-393-04-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Building Area	2,990 sqft Living Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	15,532 sqft (0.357 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	45 EL RANCHO VIS
City	CHULA VISTA
State	CA
Zip	91910-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 4 TR 005086
Legal Subdivision	COOK RANCH ACRES
Legal Tract	005086
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	13401

Owner

45 el Rancho Vista is owner-occupied and held in a trust since March 2020.

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

Owner of Record	Trust Name on File
Mailing Address	45 EL RANCHO VIS, CHULA VISTA, CA 91910-5028
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Nov 30, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 19, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Mar 19, 2020	Intrafamily Transfer, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2020
Deed Sale	Mar 19, 2020
Prior Sale	Dec 31, 2012
Deed Document Number	2020143519
Prior Transfer Date	Mar 13, 2020
Prior Transfer Doc	0000143519
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	45 EL RANCHO VIS, CHULA VISTA, CA 91910-5028
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 EL RANCHO VIS, CHULA VISTA, CA 91910-5028

Mortgage

Document Number	0000814605
Date	Nov 30, 2021
Instrument	2021-0814605

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2020
Property Address	45 EL RANCHO VIS, CHULA VISTA, CA 91910-5028
Document Number	0000143521
Instrument Date	Mar 13, 2020
Instrument	143521
Transaction Type	Transfer
Record Updated	Apr 8, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	45 EI RANCHO VIS CHULA VISTA CA 91910, CHULA VISTA, CA 91910

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2020
Property Address	45 EL RANCHO VIS, CHULA VISTA, CA 91910-5028
Document Number	0000143519
Map Reference	MAP 5086
Instrument Date	Mar 13, 2020
Instrument	2020-0143519
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

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
Relationship	Joint Tenants
Address	45 EL RANCHO VIS, CHULA VISTA, CA 91910-5028

Mortgage

Document Number	0000143520
Date	Mar 19, 2020
Instrument	2020-0143520

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 45 el Rancho Vista was $6,446 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
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		$551,903 (+2%) Land $122,767 Building $429,136
2025	$6,446.00 Homeowner's exemption	$541,082 Land $120,360 Building $420,722
2023	$6,131.00 (+2.97%) Homeowner's exemption	$520,073 Land $115,687 Building $404,386
2022	$5,954.00

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

Flood

FEMA maps place 45 el Rancho Vista in Zone X, an area of minimal flood risk.

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

The area around 45 el Rancho Vista 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	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 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile, Wyyerd Connect.

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