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654 Spruce St, Imperial Beach, CA 91932 Property Records

San Diego County property record for 654 Spruce St, Imperial Beach, CA 91932

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,544 sqft · built 1951
Lot Size0.17 acres (7,400 sqft)
OwnerIndividual Name on Record
Last Sale$920,000 (Jan 2022)
Tax Bill$12,193 (2025)
Deeds & MortgagesJan 2023 Transfer
Jan 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN625-321-07-00

Property Details

APN / Parcel Number

Primary APN625-321-07-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,544 sqft Living Area

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Lot Area7,400 sqft (0.17 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Location & Zoning

Street Address654 SPRUCE ST
CityIMPERIAL BEACH
StateCA
Zip91932-2033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-6000
Legal DescriptionBLK 6 LOT 13 TR 002391
Legal SubdivisionSOUTH BAY TERRACE
Legal Tract002391
Legal Block6
Legal Lot Number13
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group3
Census Block3003
Census Tract10202

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 RecordIndividual Name on Record
Mailing Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2023Intrafamily Transfer, Transfer
Jan 26, 2022Grant Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Dec 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HOME LOANS INC
Jan 23, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 26, 2022 · Amount on Record
Deed SaleJan 26, 2022 · Amount on Record
Prior SaleFeb 19, 2015 · Amount on Record
Deed Document Number202238082
Last Transfer DateJan 25, 2023
Transfer Doc0000021430
Record UpdatedSep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateJan 26, 2023
Property Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Document Number0000021430
Map ReferenceMAP 2391
Instrument DateJan 25, 2023
Instrument2023-0021430
Transaction TypeTransfer
Record UpdatedFeb 3, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033

January 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateJan 26, 2022
Property Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Document Number0000038082
Map ReferenceMAP 2391
Instrument DateDec 29, 2021
Instrument2022-0038082
Transaction TypeTransfer
Record UpdatedFeb 2, 2022
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033

Mortgage

Document Number0000038083
DateJan 26, 2022
Instrument2022-0038083
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyNORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033

Mortgage

Document Number0000833135
DateDec 24, 2020
Instrument2020-0833135
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJan 23, 2020
Property Address654 SPRUCE ST, IMPERIAL BEACH, CA 91932-2033
Document Number0000037726
Instrument DateJan 15, 2020
Instrument37726
Transaction TypeTransfer
Record UpdatedFeb 7, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address5021 VERDUGO WAY 105 #269 CAMARILLO CA 93012, 269, CAMARILLO, CA 93012

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityImperial Beach City
Elementary School DistrictSouth Bay Union School District (KG - 06)
Secondary School DistrictSweetwater Union High School District (07 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$995,835 (+2%) Land $790,174 Building $205,661
2025$12,193.00 (+9.32%)$976,310 (+6.7%) Land $774,681 Building $201,629
2023$11,154.00 (+58.33%)$915,000 Land $726,000 Building $189,000
2022$7,045.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskNot 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 SystemCAL-AM WATER CORONADO
private · serves 106,000 people · EPA ID CA3710001
Water SourcePurchased surface water from several systems
Last State InspectionNov 2023
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Aug 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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