San Diego County property record for 10194 Oak Grove Dr, Descanso, CA 91916
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,724 sqft · built 2004 |
| Lot Size | 11.5 acres (500,940 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $720,000 (Apr 2020) |
| Tax Bill | $8,542 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 405-200-15-00 |
| Primary APN | 405-200-15-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,724 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 500,940 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 10194 OAK GROVE DR |
|---|---|
| City | DESCANSO |
| State | CA |
| Zip | 91916-9831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | SEC 13-15-3E SW 1/4 OF POR NE 1/4 OF |
| Legal Range | 03E |
| Legal Township | 15 |
| Legal Section | 13 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | LAGUNA-PINE VALLEY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 21202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 10194 OAK GROVE DR, DESCANSO, CA 91916-9831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 29, 2020 | Quit Claim Deed, Transfer GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Apr 29, 2020 | Grant Deed, Transfer · Conventional Mortgage BAY EQUITY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2020 · Amount on Record |
| Deed Sale | Apr 29, 2020 · Amount on Record |
| Prior Sale | Apr 17, 2000 · Amount on Record |
| Deed Document Number | 2020217312 |
| Prior Transfer Date | Apr 20, 2020 |
| Prior Transfer Doc | 0000217311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10194 OAK GROVE DR, DESCANSO, CA 91916-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | AMERICAN SW TITLE, AMERICAN COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 10194 OAK GROVE DR, DESCANSO, CA 91916-9743 |
| Document Number | 0000116018 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 2021-0116018 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 29, 2020 |
| Property Address | 10194 OAK GROVE DR, DESCANSO, CA 91916-9743 |
| Document Number | 0000217311 |
| Instrument Date | Apr 20, 2020 |
| Instrument | 217311 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 10194 OAK GROVE DR DESCANSO CA 919169743, DESCANSO, CA 91916-9743 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 29, 2020 |
| Property Address | 10194 OAK GROVE DR, DESCANSO, CA 91916-9743 |
| Document Number | 0000217312 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 217312 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $792.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 10194 OAK GROVE DR DESCANSO CA 919169743, DESCANSO, CA 91916-9743 |
| Document Number | 217313 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 217313 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | CORTE MADERA, CA 94925 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2050 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Mountain Empire Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $803,169 (+2%) Land $446,205 Building $356,964 | |
| 2025 | $8,542.00 (+4.08%) Homeowner's exemption | $787,421 (+4.04%) Land $437,456 Building $349,965 |
| 2023 | $8,207.00 (-1.46%) Homeowner's exemption | $756,846 Land $420,470 Building $336,376 |
| 2022 | $8,329.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 99.2% of the US · above 94% of California |
|---|---|
| Wildfire Likelihood | 6% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fixed Wireless in parts of the area | 10 / 1 |
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