54 E Prospect St, Chula Vista, CA 91911 Property Records

San Diego County property record for 54 E Prospect St, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1960
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$376,000 (Jan 2024)
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`620-023-10-00`

Property Details

APN / Parcel Number

Primary APN	`620-023-10-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,040 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	7,000 sqft (0.161 acres)

Location & Zoning

Street Address	54 E PROSPECT ST
City	CHULA VISTA
State	CA
Zip	91911-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 62 TR 004030
Legal Subdivision	SUBURBAN HEIGHTS
Legal Tract	004030
Legal Block	2
Legal Lot Number	62
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	13303

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1242 ORDVIEW CT, CHULA VISTA, CA 91911-3015
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 1, 2026	Gift Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 1, 2024	Intrafamily Transfer, Transfer
Jan 24, 2024	Grant Deed, Transfer · FHA Mortgage AXIA FINANCIAL LLC
Jul 6, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2024 · Amount on Record
Deed Sale	Jan 24, 2024 · Amount on Record
Deed Document Number	202420101
Last Transfer Date	Dec 9, 2024
Transfer Doc	0000342490
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535

Mortgage

Document Number	0000332809
Date	Dec 2, 2024
Instrument	2024-0332809

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 1, 2026
Property Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535
Document Number	0000156527
Instrument Date	May 29, 2026
Instrument	2026156527
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1242 ORDVIEW CT, CHULA VISTA, CA 91911-3015

Mortgage

Document Number	0000156528,
Date	Jun 1, 2026
Instrument	2026156528

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2024
Property Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535
Document Number	0000109670
Map Reference	MAP 4030
Instrument Date	Apr 18, 2024
Instrument	2024-0109670
Transaction Type	Transfer
Record Updated	May 16, 2024

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	Living Trust
Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 24, 2024
Property Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535
Document Number	0000020101
Map Reference	MAP 4030
Instrument Date	Dec 12, 2023
Instrument	2024-0020101
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535

Mortgage

Document Number	0000020102
Date	Jan 24, 2024
Instrument	2024-0020102

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2018
Property Address	54 E PROSPECT ST, CHULA VISTA, CA 91911-4535
Document Number	0000276070
Instrument Date	Jun 8, 2018
Instrument	276070
Transaction Type	Transfer
Record Updated	Jul 13, 2018

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1109 HARBOR RD #103E PORT CLINTON OH 43452, 103E, PORT CLINTON, OH 43452

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$825,079 (+115.13%) Land $423,231 Building $401,848
2025	$4,590.00 (+583.04%)	$383,519 (+605.74%) Land $117,334 Building $266,185
2023	$672.00 (+3.07%)	$54,343 Land $16,626 Building $37,717
2022	$652.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 723 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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