615 Spruce St, Imperial Beach, CA 91932 Property Records

San Diego County property record for 615 Spruce St, Imperial Beach, CA 91932

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,923 sqft · built 1970
Lot Size	0.158 acres (6,900 sqft)
Owner	Trust Name on File
Last Sale	$70,000 (Feb 1985)
Tax Bill	$3,879 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Nov 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`625-321-16-00`

Property Details

APN / Parcel Number

Primary APN	`625-321-16-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,923 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	615 SPRUCE ST
City	IMPERIAL BEACH
State	CA
Zip	91932-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6000
Legal Description	BLK 7 LOT 11 TR 002391
Legal Subdivision	SOUTH BAY TERRACE
Legal Tract	002391
Legal Block	7
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3003
Census Tract	10202

Owner

615 Spruce St is owner-occupied and held in a trust since February 1994.

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

Owner of Record	Trust Name on File
Mailing Address	615 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living 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
Mar 10, 2022	Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC
Nov 8, 2017	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Nov 3, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 1985 · Amount on File
Deed Sale	Feb 12, 1985 · Amount on File
Deed Document Number	198547717
Last Transfer Date	Feb 15, 1994
Transfer Doc	0000105829
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033

Mortgage

Document Number	0000109311
Date	Mar 10, 2022
Instrument	2022-0109311

Lender

Name	ENNKAR INC
Type	Mortgage Company
Address	ORANGE, CA 92865

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	927 Months
Due	Jun 5, 2099

Interest

Rate Type	Adjustable Rate
Rate	2.58%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000523252
Date	Nov 8, 2017
Instrument	2017-0523252

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	979 Months
Due	Jun 5, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.59%
Type Change Date	Dec 1, 2018
Change Frequency	Monthly
Index	1-Year LIBOR

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Document Number	0000523253
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	WESTERN RESOURCES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	615 SPRUCE ST IMPERIAL BEACH CA 919322033, IMPERIAL BEACH, CA 91932-2033

Mortgage

Document Number	0000523253
Date	Nov 8, 2017
Instrument	523253

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months
Due	Nov 7, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.59%

Tax Assessment & Valuation

The 2025 property tax bill for 615 Spruce St was $3,879 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
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		$263,157 (+2%) Land $65,759 Building $197,398
2025	$3,879.00 Homeowner's exemption	$257,998 Land $64,470 Building $193,528
2023	$3,800.00 (+5.53%) Homeowner's exemption	$247,981 Land $61,967 Building $186,014
2022	$3,601.00

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

Flood

FEMA maps place 615 Spruce St 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
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 615 Spruce 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	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.

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