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4651 Cherokee Ave, San Diego, CA 92116 Property Records

San Diego County property record for 4651 Cherokee Ave, San Diego, CA 92116

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 665 sqft · built 1945
Lot Size0.61 acres (2,652 sqft)
Owner2 Individual Names on File
Last Sale$750,000 (Jun 2024)
Tax Bill$10,043 (2025)
Deeds & MortgagesJun 2021 Mortgage
Feb 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN440-591-21-00

Property Details

APN / Parcel Number

Primary APN440-591-21-00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area665 sqft Living Area

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Lot Area2,652 sqft (0.61 acres)
Garage TypeCarport
CarportCarport

Location & Zoning

Street Address4651 CHEROKEE AVE
CitySAN DIEGO
StateCA
Zip92116-3648
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-1-1
Legal DescriptionBLK 44 LOT 15 W 75 FT OF S 35 FT OF N 70 FT TR 000985
Legal SubdivisionNORMAL HEIGHTS
Legal Tract000985
Legal Block44
Legal Lot Number15
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group1
Census Block1011
Census Tract1801

Owner

4651 Cherokee Ave is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record2 Individual Names on File
Mailing Address4651 CHEROKEE AVE, SAN DIEGO, CA 92116-3648
OccupancyOwner Occupied
Owner TypeIndividual
VestingSurviving Spouse

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

DateDocument
Jun 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
US BANK NA
Feb 27, 2019Deed of Trust, Mortgage · ARM
US BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 12, 2024 · Amount on File
Deed SaleJun 12, 2024 · Amount on File
Prior SaleApr 9, 2008 · Amount on File
Deed Document Number2024147548
Prior Transfer DateJun 6, 2024
Prior Transfer Doc0000147547
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4651 CHEROKEE AVE, SAN DIEGO, CA 92116-3648
Transaction TypeMortgage
Record UpdatedJul 8, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4651 CHEROKEE AVE, SAN DIEGO, CA 92116-3648

Mortgage

Document Number0000465613
DateJun 28, 2021
Instrument2021-0465613
Lender
NameUS BANK NA
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4651 CHEROKEE AVE, SAN DIEGO, CA 92116-3648
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyTICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000070416
DateFeb 27, 2019
Instrument2019-0070416
Lender
NameUS BANK NA
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueMar 1, 2049
Interest
Rate TypeAdjustable Rate
Rate3.75%
Type Change DateMar 1, 2029
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change8.75%
Index1-Year CMT
Max Rate8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4651 Cherokee Ave was $10,043.

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalitySan Diego City
Unified School DistrictSan Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$780,298 (+2%) Land $631,674 Building $148,624
2025$10,043.00 Homeowner's exemption$764,999 Land $619,289 Building $145,710
2023$4,819.00 (+2.75%) Homeowner's exemption$397,681 Land $321,934 Building $75,747
2022$4,690.00

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

Flood

FEMA maps place 4651 Cherokee Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 4651 Cherokee Ave 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 RiskNot 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 SystemCITY OF SAN DIEGO
serves 1,408,937 people · EPA ID CA3710020
Water SourceSurface water
Last State InspectionMar 2024
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 1,082 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: GeoLinks, Google Fiber, T-Mobile.

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