522 Otis St, Chula Vista, CA 91910 Property Records

San Diego County property record for 522 Otis St, Chula Vista, CA 91910

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,206 sqft · built 1952
Lot Size	0.166 acres (7,210 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Aug 2022)
Tax Bill	$9,587 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`567-250-06-00`

Property Details

APN / Parcel Number

Primary APN	`567-250-06-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,206 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	7,210 sqft (0.166 acres)

Location & Zoning

Street Address	522 OTIS ST
City	CHULA VISTA
State	CA
Zip	91910-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 14 TR 002779
Legal Subdivision	LA PLAYA VISTA
Legal Tract	002779
Legal Block	2
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2009
Census Tract	12700

Owner

522 Otis St is owned by two individuals who acquired it in July 2025.

Source: San Diego County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	402 E DIVISION ST, NATIONAL CITY, CA 91950-1330
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Aug 10, 2022	Affidavit of Death of Joint Tenant, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Aug 10, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on File
Deed Sale	Aug 10, 2022 · Amount on File
Deed Document Number	2022324421
Last Transfer Date	Jul 31, 2025
Transfer Doc	0000224658
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 7, 2026
Property Address	522 OTIS ST, CHULA VISTA, CA 91910-4310
Document Number	0000290622
Instrument Date	Oct 1, 2026
Instrument	2026290622
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 LOMA RANCHO DR, SPRING VALLEY, CA 91978-1027

Mortgage

Document Number	0000290622,
Date	Oct 7, 2026
Instrument	2026290622

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2022
Property Address	522 OTIS ST, CHULA VISTA, CA 91910-4310
Document Number	0000324419
Map Reference	MAP 2779
Instrument Date	Aug 8, 2022
Instrument	2022-0324419
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	1183 MELROSE AVE, CHULA VISTA, CA 91911-3641

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2022
Property Address	522 OTIS ST, CHULA VISTA, CA 91910-4310
Document Number	0000324421
Map Reference	MAP 2779
Instrument Date	Jul 18, 2022
Instrument	2022-0324421
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	522 OTIS ST, CHULA VISTA, CA 91910-4310

Mortgage

Document Number	0000324422
Date	Aug 10, 2022
Instrument	2022-0324422

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 522 Otis St was $9,587.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Chula Vista City
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		$1,123,293 (+39.67%) Land $452,962 Building $670,331
2025	$9,587.00	$804,269 Land $444,081 Building $360,188
2023	$7,807.00 (-1.86%)	$661,000 Land $417,000 Building $244,000
2022	$7,955.00

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

Flood

FEMA maps place 522 Otis 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 522 Otis 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	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 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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