645 Gretchen Rd, Chula Vista, CA 91910 Property Records

San Diego County property record for 645 Gretchen Rd, Chula Vista, CA 91910

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,251 sqft · built 1951
Lot Size	0.273 acres (11,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,657 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`574-211-16-00`

Property Details

APN / Parcel Number

Primary APN	`574-211-16-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,251 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	11,900 sqft (0.273 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	645 GRETCHEN RD
City	CHULA VISTA
State	CA
Zip	91910-6216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 247 TR 002628
Legal Subdivision	CLAIREVISTA
Legal Tract	002628
Legal Block	1
Legal Lot Number	247
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1010
Census Tract	13401

Owner

645 Gretchen Rd is owned and occupied by two individuals who acquired it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
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
Jul 6, 2021	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Sep 14, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 21, 2018	Intrafamily Transfer, Transfer TICOR TITLE
Nov 21, 2018	Grant Deed, Transfer · VA Mortgage UNITED AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021
Deed Sale	Jul 6, 2021
Prior Sale	Nov 21, 2018 · Amount on File
Deed Document Number	2021484976
Prior Transfer Date	Jun 8, 2021
Prior Transfer Doc	0000484976
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2021
Property Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
Document Number	0000484976
Map Reference	MAP 2628
Instrument Date	Jun 8, 2021
Instrument	2021-0484976
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
Investor	Possibly a Property Investor

Mortgage

Document Number	0000484977
Date	Jul 6, 2021
Instrument	2021-0484977

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328759
Date	Aug 6, 2019
Instrument	2019-0328759

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216

Mortgage

Document Number	0000537992
Date	Sep 14, 2020
Instrument	2020-0537992

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 21, 2018
Property Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
Document Number	0000485145
Map Reference	MAP 2628
Instrument Date	Nov 16, 2018
Instrument	2018-0485145
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE

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	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 21, 2018
Property Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216
Document Number	0000485146
Map Reference	MAP 2628
Instrument Date	Oct 31, 2018
Instrument	2018-0485146
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE

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
Address	645 GRETCHEN RD, CHULA VISTA, CA 91910-6216

Mortgage

Document Number	0000485147
Date	Nov 21, 2018
Instrument	2018-0485147

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 645 Gretchen Rd was $7,657.

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		$654,640 (+2%) Land $265,125 Building $389,515
2025	$7,657.00	$641,805 Land $259,927 Building $381,878
2023	$6,527.00 (+2.95%)	$552,180 Land $249,835 Building $302,345
2022	$6,340.00

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

Flood

FEMA maps place 645 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 645 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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