10043 Challenger Cir, Spring Valley, CA 91978 Property Records

San Diego County property record for 10043 Challenger Cir, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,920 sqft · built 2001
Lot Size	0.118 acres (5,128 sqft)
Owner	2 Company Names on Record
Last Sale	$682,000 (Sep 2017)
Tax Bill	$9,910 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`580-261-03-00`

Property Details

APN / Parcel Number

Primary APN	`580-261-03-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	2,920 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	5,128 sqft (0.118 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10043 CHALLENGER CIR
City	SPRING VALLEY
State	CA
Zip	91978-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 16 TR 013866
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013866
Legal Block	3
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3003
Census Tract	13506

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 Company Names on Record
Mailing Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 31, 2023	Intrafamily Transfer, Transfer
Oct 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BRIKHO CAPITAL INC
Oct 27, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE
Nov 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage BRIK HM MTG
Sep 28, 2017	Grant Deed, Transfer · Conventional Mortgage BRIK HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2017 · Amount on Record
Deed Sale	Sep 28, 2017 · Amount on Record
Prior Sale	Apr 26, 2001 · Amount on Record
Deed Document Number	2017447188
Last Transfer Date	Aug 31, 2023
Transfer Doc	0000237802
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015

Mortgage

Document Number	0000292768
Date	Oct 20, 2025
Instrument	2025-0292768

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2023
Property Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Document Number	0000237802
Map Reference	MAP 13866
Instrument Date	Aug 31, 2023
Instrument	2023-0237802
Transaction Type	Transfer
Record Updated	Sep 11, 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
Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 27, 2021
Property Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Document Number	0000748905
Map Reference	FILE 1999-0697440
Instrument Date	Oct 22, 2021
Instrument	2021-0748905
Transaction Type	Transfer
Record Updated	Nov 5, 2021
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	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015

Mortgage

Document Number	0000748906
Date	Oct 27, 2021
Instrument	2021-0748906

Lender

Name	BRIKHO CAPITAL INC
Type	Mortgage Company

Agreement

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

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 27, 2021
Property Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Document Number	0000748904
Map Reference	FILE 1999-0697440
Instrument Date	Oct 6, 2021
Instrument	2021-0748904
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	LAWYERS TITLE

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	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Document Number	0000725008
Instrument Date	Nov 11, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10043 CHALLENGER CIR SPRING VALLEY CA 919782015, SPRING VALLEY, CA 91978-2015

Mortgage

Document Number	0000725008
Date	Nov 17, 2020
Instrument	725008

Lender

Name	BRIK HM MTG
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2017
Property Address	10043 CHALLENGER CIR, SPRING VALLEY, CA 91978-2015
Document Number	0000447188
Instrument Date	Sep 12, 2017
Instrument	447188
Transaction Type	Transfer
Record Updated	Oct 4, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10043 CHALLENGER CIR SPRING VALLEY CA 919782015, SPRING VALLEY, CA 91978-2015

Mortgage

Document Number	447189
Date	Sep 28, 2017
Instrument	447189

Lender

Name	BRIK HM LOANS
Address	EL CAJON, CA 92019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$791,511 (+2%) Land $246,605 Building $544,906
2025	$9,910.00 (+6.62%)	$775,992 (+4.04%) Land $241,770 Building $534,222
2023	$9,295.00 (+1.42%)	$745,862 Land $232,383 Building $513,479
2022	$9,165.00

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	High above 73% of the US · above 49% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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