875 Otay Lakes Rd, Chula Vista, CA 91913 Property Records

San Diego County property record for 875 Otay Lakes Rd, Chula Vista, CA 91913

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1979
Lot Size	0.181 acres (7,900 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Apr 2018)
Tax Bill	$7,342 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`642-110-02-00`

Property Details

APN / Parcel Number

Primary APN	`642-110-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,692 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Lot Area	7,900 sqft (0.181 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	875 OTAY LAKES RD
City	CHULA VISTA
State	CA
Zip	91913-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 TR 004961
Legal Subdivision	SOUTHWESTERN COLLEGE ESTATES
Legal Tract	004961
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	13416

Owner

875 Otay Lakes Rd is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	875 OTAY LAKES RD, CHULA VISTA, CA 91913-2602
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
Feb 27, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 30, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 26, 2018	Grant Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2018 · Amount on File
Deed Sale	Apr 26, 2018 · Amount on File
Prior Sale	Apr 6, 1990 · Amount on File
Deed Document Number	2018166902
Prior Transfer Date	Mar 25, 2008
Prior Transfer Doc	0000229478
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	875 OTAY LAKES RD, CHULA VISTA, CA 91913-2602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071252
Date	Feb 27, 2019
Instrument	2019-0071252

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	875 OTAY LAKES RD, CHULA VISTA, CA 91913-2602
Document Number	0000521965
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	875 OTAY LAKES RD CHULA VISTA CA 919132602, CHULA VISTA, CA 91913-2602

Mortgage

Document Number	0000521965
Date	Nov 13, 2019
Instrument	521965

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2018
Property Address	875 OTAY LAKES RD, CHULA VISTA, CA 91913-2602
Document Number	0000166902
Map Reference	MAP 4961
Instrument Date	Apr 4, 2018
Instrument	2018-0166902
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	8750 TAY LAKES RD, CHULA VISTA, CA 91913

Mortgage

Document Number	0000166903
Date	Apr 26, 2018
Instrument	2018-0166903

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 875 Otay Lakes Rd was $7,342, up 3.6% from the year before.

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		$626,710 (+2%) Land $278,898 Building $347,812
2025	$7,342.00 (+3.64%)	$614,423 Land $273,430 Building $340,993
2024	$7,084.00 (+1.37%)
2023	$6,988.00 (+2.95%)	$590,565 Land $262,813 Building $327,752
2022	$6,788.00

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

Flood

FEMA maps place 875 Otay Lakes Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 875 Otay Lakes Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) 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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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