636 Gretchen Rd, Chula Vista, CA 91910 Property Records

San Diego County property record for 636 Gretchen Rd, Chula Vista, CA 91910

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,453 sqft · built 1951
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jan 2015)
Tax Bill	$981 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`574-212-09-00`

Property Details

APN / Parcel Number

Primary APN	`574-212-09-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,453 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	7,800 sqft (0.179 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	636 GRETCHEN RD
City	CHULA VISTA
State	CA
Zip	91910-6258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 302 TR 002628
Legal Subdivision	CLAIREVISTA
Legal Tract	002628
Legal Block	1
Legal Lot Number	302
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1013
Census Tract	13401

Owner

636 Gretchen Rd is owned and occupied by two individuals who bought it in January 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FINANCIAL INC
Oct 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage SPRING EQ LLC
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Sep 11, 2017	Deed of Trust, Mortgage · Conventional with PMI RESIDENTIAL WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2015 · Amount on File
Deed Sale	Jan 16, 2015 · Amount on File
Deed Document Number	201521315
Prior Transfer Date	Apr 11, 2012
Prior Transfer Doc	0000230293
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 10, 2026
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Document Number	0000166460
Instrument Date	Jun 4, 2026
Instrument	2026166460
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000166460,
Date	Jun 10, 2026
Instrument	2026166460

Lender

Name	POINT DIGITAL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000265553
Date	Oct 2, 2023
Instrument	2023-0265553

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000250673
Date	Jun 15, 2022
Instrument	2022-0250673

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000010432
Date	Jan 7, 2022
Instrument	2022-0010432

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000250316
Date	Apr 1, 2021
Instrument	2021-0250316

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000320400
Date	Jun 19, 2020
Instrument	2020-0320400

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Document Number	0000173616
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	636 GRETCHEN RD CHULA VISTA CA 919106258, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000173616
Date	Apr 6, 2020
Instrument	173616

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 5, 2040

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 GRETCHEN RD, CHULA VISTA, CA 91910-6258
Document Number	0000424696
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	636 GRETCHEN RD CHULA VISTA CA 919106258, CHULA VISTA, CA 91910-6258

Mortgage

Document Number	0000424696
Date	Sep 15, 2017
Instrument	424696

Lender

Name	RESIDENTIAL WHOLESALE MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 636 Gretchen Rd was $981.

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		$81,234 (+2%) Land $22,586 Building $58,648
2025	$981.00	$79,643 Land $22,144 Building $57,499
2023	$933.00 (+2.98%)	$76,552 Land $21,285 Building $55,267
2022	$906.00

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

FEMA maps place 636 Gretchen Rd 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
Community Rating System	Class 6 (20% premium discount)
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 636 Gretchen Rd 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 643 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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