976 Elm Ave, Imperial Beach, CA 91932 Property Records

San Diego County property record for 976 Elm Ave, Imperial Beach, CA 91932

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,400 sqft · built 1991
Lot Size	0.179 acres (7,782 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Jul 2015)
Tax Bill	$7,009 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`626-322-09-01`

Property Details

APN / Parcel Number

Primary APN	`626-322-09-01`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Condo/Apartment
Lot Area	7,782 sqft (0.179 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	976 ELM AVE
City	IMPERIAL BEACH
State	CA
Zip	91932-2253
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3000
Legal Description	PAR 1 US 1 PER DOC04-0448953&UND INT IN TR PM19470
Legal Subdivision	IMPERIAL BEACH
Legal Tract	1019470
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	10300

Owner

976 Elm Ave, a condominium, is owned and occupied by an individual who acquired it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	976 ELM AVE, IMPERIAL BEACH, CA 91932-2253
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
Apr 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 1, 2020	Quit Claim Deed, Transfer LAWYERS TITLE-SD
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2015 · Amount on File
Deed Sale	Jul 17, 2015 · Amount on File
Prior Sale	Oct 26, 2011 · Amount on File
Deed Document Number	2015378719
Last Transfer Date	Mar 24, 2020
Transfer Doc	0000164566
Record Updated	Oct 29, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2020
Property Address	976 ELM AVE, IMPERIAL BEACH, CA 91932-2253
Document Number	0000164566
Map Reference	FILE 2004-0448953
Instrument Date	Mar 24, 2020
Instrument	2020-0164566
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE SD

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	976 ELM AVE, IMPERIAL BEACH, CA 91932-2253

Mortgage

Document Number	0000164567
Date	Apr 1, 2020
Instrument	2020-0164567

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2020
Property Address	976 ELM AVE, IMPERIAL BEACH, CA 91932-2253
Document Number	0000164565
Instrument Date	Mar 24, 2020
Instrument	164565
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	LAWYERS TITLE-SD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	976 ELM AVE IMPERIAL BEACH CA 919322253, IMPERIAL BEACH, CA 91932-2253

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	976 ELM AVE, IMPERIAL BEACH, CA 91932-2253
Document Number	0000246188
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 8, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	976 ELM AVE IMPERIAL BEACH CA 919322253, IMPERIAL BEACH, CA 91932-2253

Mortgage

Document Number	0000246188
Date	Jun 1, 2017
Instrument	246188

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 976 Elm Ave was $7,009 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	Imperial Beach City
Elementary School District	South Bay Union School District (KG - 06)
Secondary School District	Sweetwater Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$540,475 (+2%) Land $324,013 Building $216,462
2025	$7,009.00 Homeowner's exemption	$529,878 Land $317,660 Building $212,218
2023	$6,441.00 (-2.57%) Homeowner's exemption	$509,304 Land $305,326 Building $203,978
2022	$6,611.00

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

Flood

FEMA maps place 976 Elm Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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 976 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	CAL-AM WATER CORONADO private · serves 106,000 people · EPA ID CA3710001
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2023
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 690 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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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