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

San Diego County property record for 98 E Emerson St, Chula Vista, CA 91911

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 1957
Lot Size	0.181 acres (7,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (Apr 2023)
Tax Bill	$9,363 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`575-500-13-00`

Property Details

APN / Parcel Number

Primary APN	`575-500-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,778 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	7,900 sqft (0.181 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	98 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 13 TR 003220
Legal Subdivision	BELLA VISTA HEIGHTS
Legal Tract	003220
Legal Block	2
Legal Lot Number	13
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 July 28, 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	3005 SADDLEWOOD DR, BONITA, CA 91902-2001
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage STONE BRIDGE MORTGAGE INC
Apr 14, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 24, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage SULLIVAN FAMILY TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Deed Document Number	202398557
Prior Transfer Date	Feb 15, 1995
Prior Transfer Doc	0000096824
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	98 E EMERSON ST, CHULA VISTA, CA 91911-3545
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 SADDLEWOOD DR, BONITA, CA 91902-2001

Mortgage

Document Number	0000300823
Date	Oct 27, 2025
Instrument	2025-0300823

Lender

Name	STONE BRIDGE MORTGAGE INC
Type	Mortgage Company
Address	SOLANA BEACH, CA 92075

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 14, 2023
Property Address	98 E EMERSON ST, CHULA VISTA, CA 91911-3545
Document Number	0000098557
Map Reference	MAP 3220
Instrument Date	Apr 10, 2023
Instrument	2023-0098557
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	98 E EMERSON ST, CHULA VISTA, CA 91911-3545

Mortgage

Document Number	0000098558
Date	Apr 14, 2023
Instrument	2023-0098558

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2022
Property Address	98 E EMERSON ST, CHULA VISTA, CA 91911-3545
Document Number	0000261155
Map Reference	MAP 3220
Instrument Date	May 31, 2022
Instrument	2022-0261155
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	4920 WHITEHAVEN WAY, SAN DIEGO, CA 92110-1248
Investor	Possibly a Property Investor

Mortgage

Document Number	0000261156
Date	Jun 24, 2022
Instrument	2022-0261156

Lender

Name	SULLIVAN FAMILY TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$801,209 (+2%) Land $189,253 Building $611,956
2025	$9,363.00 (+927.77%)	$785,500 (+861.92%) Land $185,543 Building $599,957
2023	$911.00 (+3.17%) Homeowner's exemption	$81,660 Land $19,289 Building $62,371
2022	$883.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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