554 Spruce St, Imperial Beach, CA 91932 Property Records

San Diego County property record for 554 Spruce St, Imperial Beach, CA 91932

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1948
Lot Size	0.158 acres (6,900 sqft)
Owner	Company Name on Record
Tax Bill	$2,587 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`625-312-05-00`

Property Details

APN / Parcel Number

Primary APN	`625-312-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	6,900 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	554 SPRUCE ST
City	IMPERIAL BEACH
State	CA
Zip	91932-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6000
Legal Description	BLK 6 LOT 5 TR 002391
Legal Subdivision	SOUTH BAY TERRACE
Legal Tract	002391
Legal Block	6
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3003
Census Tract	10202

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	Company Name on Record
Mailing Address	554 SPRUCE ST, IMPERIAL BEACH, CA 91932-2032
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 1, 2019
Transfer Doc	0000241565
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 SPRUCE ST, IMPERIAL BEACH, CA 91932-2032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440379
Date	Oct 3, 2019
Instrument	2019-0440379

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 SPRUCE ST, IMPERIAL BEACH, CA 91932-2032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554O SPRUCE ST, IMPERIAL BEACH, CA 91932-2032

Mortgage

Document Number	0000053304
Date	Jan 25, 2021
Instrument	2021-0053304

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 20, 2019
Property Address	554 SPRUCE ST, IMPERIAL BEACH, CA 91932-2032
Document Number	0000241565
Instrument Date	Apr 1, 2019
Instrument	241565
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

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	554 SPRUCE ST IMPERIAL BEACH CA 919322032, IMPERIAL BEACH, CA 91932-2032

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 SPRUCE ST, IMPERIAL BEACH, CA 91932-2032
Document Number	0000265172
Instrument Date	Jun 7, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 SPRUCE ST IMPERIAL BEACH CA 919322032, IMPERIAL BEACH, CA 91932-2032

Mortgage

Document Number	0000265172
Date	Jun 14, 2017
Instrument	265172

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

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	Imperial Beach City
Elementary School District	South Bay Union School District (KG - 06)
Secondary School District	Sweetwater Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$170,027 (+2%) Land $69,598 Building $100,429
2025	$2,587.00 (+7.57%) Homeowner's exemption	$166,694 (+4.04%) Land $68,234 Building $98,460
2023	$2,405.00 (-1.03%) Homeowner's exemption	$160,224 Land $65,586 Building $94,638
2022	$2,430.00

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 · 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	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

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	CAL-AM WATER CORONADO private · serves 106,000 people · EPA ID CA3710001
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2023
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 769 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon, Wyyerd Connect.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures