10113 Tres Lagos Ct, Spring Valley, CA 91977 Property Records

San Diego County property record for 10113 Tres Lagos Ct, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,002 sqft · built 1978
Lot Size	0.155 acres (6,756 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,671 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`505-590-03-00`

Property Details

APN / Parcel Number

Primary APN	`505-590-03-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,002 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	6,756 sqft (0.155 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10113 TRES LAGOS CT
City	SPRING VALLEY
State	CA
Zip	91977-7139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 3 TR 008446
Legal Subdivision	RANCHO TRES LAGOS
Legal Tract	008446
Legal Block	3
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3003
Census Tract	13504

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Nov 23, 2021	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Feb 4, 2020	Intrafamily Transfer, Transfer · VA Mortgage ANCHOR FUNDING INC
Apr 11, 2017	Intrafamily Transfer, Transfer · VA Mortgage ANCHOR FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2020
Deed Sale	Feb 4, 2020
Prior Sale	Apr 11, 2017
Deed Document Number	202056812
Prior Transfer Date	Jan 29, 2020
Prior Transfer Doc	0000056812
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139

Mortgage

Document Number	0000423147
Date	Nov 3, 2022
Instrument	2022-0423147

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139

Mortgage

Document Number	0000804538
Date	Nov 23, 2021
Instrument	2021-0804538

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	APOPKA, FL 32703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Feb 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 4, 2020
Property Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139
Document Number	0000056812
Map Reference	MAP 8446
Instrument Date	Jan 29, 2020
Instrument	2020-0056812
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES 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
Relationship	Joint Tenants
Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139

Mortgage

Document Number	0000056813
Date	Feb 4, 2020
Instrument	2020-0056813

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 11, 2017
Property Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139
Document Number	0000160628
Map Reference	MAP8446
Instrument Date	Mar 29, 2017
Instrument	2017-0160628
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10113 TRES LAGOS CT, SPRING VALLEY, CA 91977-7139

Mortgage

Document Number	0000160629
Date	Apr 11, 2017
Instrument	2017-0160629

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 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		$511,796 (+2%) Land $177,748 Building $334,048
2025	$6,671.00 (+7.08%)	$501,762 (+4.04%) Land $174,263 Building $327,499
2023	$6,230.00 (+1.55%)	$482,281 Land $167,498 Building $314,783
2022	$6,135.00

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 · 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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · Severe Storm And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% 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	Viejas Community System tribal government · serves 9,600 people · EPA ID 090600158
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cox Communications, GeoLinks.

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