San Diego County property record for 970 Saint Germain Rd, Chula Vista, CA 91913
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,048 sqft · built 1994 |
| Lot Size | 0.189 acres (8,246 sqft) |
| Owner | Trust Name on File |
| Last Sale | $300,000 (May 2001) |
| Tax Bill | $5,837 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 595-460-12-00 |
| Primary APN | 595-460-12-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,048 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Lot Area | 8,246 sqft (0.189 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 970 SAINT GERMAIN RD |
|---|---|
| City | CHULA VISTA |
| State | CA |
| Zip | 91913-3119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC17RS7 |
| Legal Description | LOT 12 TR 013069 |
| Legal Subdivision | CHULA VISTA TERRACE |
| Legal Tract | 013069 |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 13418 |
970 Saint Germain Rd is owner-occupied and held in a trust since September 2015.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 970 SAINT GERMAIN RD, CHULA VISTA, CA 91913-3119 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 5, 2024 | Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jan 24, 2020 | Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2001 · Amount on File |
| Deed Sale | May 21, 2001 · Amount on File |
| Prior Sale | Aug 23, 1994 · Amount on File |
| Deed Document Number | 2001323258 |
| Last Transfer Date | Sep 17, 2015 |
| Transfer Doc | 0000494100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 970 SAINT GERMAIN RD, CHULA VISTA, CA 91913-3119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 970 SAINT GERMAIN RD, CHULA VISTA, CA 91913-3119 |
| Document Number | 0000029159 |
|---|---|
| Date | Feb 5, 2024 |
| Instrument | 2024-0029159 |
| Name | CALIFORNIA CU |
|---|---|
| Type | Credit Union |
| Address | GLENDALE, CA 91209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 970 SAINT GERMAIN RD, CHULA VISTA, CA 91913-3119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 970 SAINT GERMAIN RD, CHULA VISTA, CA 91913-3119 |
| Document Number | 0000837178 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 2020-0837178 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 970 SAINT GERMAIN RD, CHULA VISTA, CA 91913-3119 |
| Document Number | 0000048441 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2020 |
| Title Company | CALIFORNIA MEMBERS TITLE INSURANCE C, CALIFORNIA MEMBERS TITLE INS C |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 970 SAINT GERMAIN RD CHULA VISTA CA 919133119, CHULA VISTA, CA 91913-3119 |
| Document Number | 0000048441 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 48441 |
| Name | CALIFORNIA CU |
|---|---|
| Type | Credit Union |
| Address | GLENDALE, CA 91209-9100 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 970 Saint Germain Rd was $5,837 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $461,070 (+2%) Land $122,946 Building $338,124 | |
| 2025 | $5,837.00 Homeowner's exemption | $452,031 Land $120,536 Building $331,495 |
| 2023 | $5,566.00 (+2.67%) Homeowner's exemption | $434,480 Land $115,856 Building $318,624 |
| 2022 | $5,421.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 970 Saint Germain 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.
The area around 970 Saint Germain 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 407 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 · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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