10045 Cristobal Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 10045 Cristobal Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,922 sqft · built 1981
Lot Size	0.273 acres (11,900 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Mar 2019)
Tax Bill	$7,424 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`505-073-11-00`

Property Details

APN / Parcel Number

Primary APN	`505-073-11-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,922 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	11,900 sqft (0.273 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10045 CRISTOBAL DR
City	SPRING VALLEY
State	CA
Zip	91977-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 55 TR 004323
Legal Subdivision	HELIX VISTA ESTATES
Legal Tract	004323
Legal Block	3
Legal Lot Number	55
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3008
Census Tract	13503

Owner

10045 Cristobal Dr is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	10045 CRISTOBAL DR, SPRING VALLEY, CA 91977-3128
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 17, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 17, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Mar 27, 2019	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2019 · Amount on File
Deed Sale	Mar 27, 2019 · Amount on File
Prior Sale	Jul 29, 1991 · Amount on File
Deed Document Number	2019107820
Prior Transfer Date	May 17, 2012
Prior Transfer Doc	0000328294
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10045 CRISTOBAL DR, SPRING VALLEY, CA 91977-3128
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10045 CRISTOBAL DR, SPRING VALLEY, CA 91977-3128

Mortgage

Document Number	0000124649
Date	Feb 17, 2021
Instrument	2021-0124649

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10045 CRISTOBAL DR, SPRING VALLEY, CA 91977-3128
Document Number	0000039808
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10045 CRISTOBAL DR SPRING VALLEY CA 919773128, SPRING VALLEY, CA 91977-3128

Mortgage

Document Number	0000039808
Date	Jan 24, 2020
Instrument	39808

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 27, 2019
Property Address	10045 CRISTOBAL DR, SPRING VALLEY, CA 91977-3128
Document Number	0000107820
Map Reference	MAP 4323
Instrument Date	Mar 7, 2019
Instrument	2019-0107820
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10045 CRISTOBAL DR, SPRING VALLEY, CA 91977-3128

Mortgage

Document Number	0000107821
Date	Mar 27, 2019
Instrument	2019-0107821

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 10045 Cristobal Dr was $7,424 with a veteran's exemption.

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		$756,649 (+2%) Land $214,339 Building $542,310
2025	$7,424.00	$741,814 Land $210,137 Building $531,677
2023	$7,028.00 (+0.16%)	$713,010 Land $201,978 Building $511,032
2022	$7,017.00

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

Flood

FEMA maps place 10045 Cristobal Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force

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

Wildfire risk around 10045 Cristobal Dr 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 397 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

May also be available: GeoLinks, T-Mobile, Verizon.

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