86 E Emerson St, Chula Vista, CA 91911 Property Records

San Diego County property record for 86 E Emerson St, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,261 sqft · built 1960
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$840,000 (Jul 2026)
Tax Bill	$6,261 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`575-500-07-00`

Property Details

APN / Parcel Number

Primary APN	`575-500-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,261 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	8,000 sqft (0.184 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	86 E EMERSON ST
City	CHULA VISTA
State	CA
Zip	91911-3545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 7 TR 003220
Legal Subdivision	BELLA VISTA HEIGHTS
Legal Tract	003220
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	13302

Owner

Source: San Diego County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BARRETT FINANCIAL GROUP LLC
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 17, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 20, 2019	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Nov 29, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	2026220687
Prior Transfer Date	Dec 3, 2001
Prior Transfer Doc	0000903082
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2026
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Document Number	0000220687
Instrument Date	Jul 7, 2026
Instrument	2026220687
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,324.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000220688,
Date	Jul 31, 2026
Instrument	2026220688

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000403298
Date	Oct 19, 2022
Instrument	2022-0403298

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000671825
Date	Sep 23, 2021
Instrument	2021-0671825

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company
Address	GILBERT, AZ 85295

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Transaction Type	Mortgage
Record Updated	Jul 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000460730
Date	Jun 24, 2021
Instrument	2021-0460730

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Document Number	0000249489
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 E EMERSON ST CHULA VISTA CA 919113545, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000249489
Date	May 18, 2020
Instrument	249489

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Document Number	0000366179
Instrument Date	Aug 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 5, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 E EMERSON ST CHULA VISTA CA 919113545, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000366179
Date	Aug 27, 2019
Instrument	366179

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 29, 2018
Property Address	86 E EMERSON ST, CHULA VISTA, CA 91911-3545
Document Number	0000494055
Instrument Date	Nov 1, 2018
Instrument	494055
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	TICOR TITLE-SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 E EMERSON ST CHULA VISTA CA 919113545, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	494056
Date	Nov 29, 2018
Instrument	494056

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

Tax Assessment & Valuation

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		$534,772 (+2%) Land $110,413 Building $424,359
2025	$6,261.00 (+3.64%)	$524,288 (+4.04%) Land $108,249 Building $416,039
2024	$6,041.00 (+1.36%)
2023	$5,960.00 (+2.95%)	$503,932 Land $104,047 Building $399,885
2022	$5,789.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 717 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

Nearby Properties on E Emerson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures