840 Elm Ave, Chula Vista, CA 91911 Property Records

San Diego County property record for 840 Elm Ave, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1956
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Apr 2021)
Tax Bill	$6,379 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`573-511-12-00`

Property Details

APN / Parcel Number

Primary APN	`573-511-12-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	12,500 sqft (0.287 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	840 ELM AVE
City	CHULA VISTA
State	CA
Zip	91911-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 16 TR 003186
Legal Subdivision	WHITTINGTONS SUB
Legal Tract	003186
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1012
Census Tract	12900

Owner

840 Elm Ave is owned and occupied by an individual who bought it in April 2021.

Source: San Diego County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	840 ELM AVE, CHULA VISTA, CA 91911-1423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Apr 30, 2021	Intrafamily Transfer, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY
Apr 30, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Deed Document Number	2021335679
Prior Transfer Date	Oct 24, 2003
Prior Transfer Doc	0001344211
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 1, 2026
Property Address	840 ELM AVE, CHULA VISTA, CA 91911-1423
Document Number	0000256599
Instrument Date	Aug 22, 2026
Instrument	2026256599
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	840 ELM AVE, CHULA VISTA, CA 91911-1423

Mortgage

Document Number	0000256599,
Date	Sep 1, 2026
Instrument	2026256599

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2056

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2021
Property Address	840 ELM AVE, CHULA VISTA, CA 91911-1423
Document Number	0000335678
Map Reference	MAP 3186
Instrument Date	Apr 28, 2021
Instrument	2021-0335678
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE 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
Address	840 ELM AVE, CHULA VISTA, CA 91911-1423

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2021
Property Address	840 ELM AVE, CHULA VISTA, CA 91911-1423
Document Number	0000335679
Map Reference	MAP 3186
Instrument Date	Apr 21, 2021
Instrument	2021-0335679
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY

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	840 ELM AVE, CHULA VISTA, CA 91911-1423

Mortgage

Document Number	0000335680
Date	Apr 30, 2021
Instrument	2021-0335680

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 840 Elm Ave was $6,379 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	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		$552,035 (+2%) Land $221,887 Building $330,148
2025	$6,379.00 Homeowner's exemption	$541,212 Land $217,537 Building $323,675
2023	$6,069.00 (+2.99%) Homeowner's exemption	$520,198 Land $209,091 Building $311,107
2022	$5,893.00

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

Flood

FEMA maps place 840 Elm Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 840 Elm Ave 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 431 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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