San Diego County property record for 10196 Challenger Cir, Spring Valley, CA 91978 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2001 |
| Square Footage | 2,920 sqft Living Area |
| Lot Size | 6,019 sqft (0.138 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $700,000 (2019) |
| Tax Bill | $9,884.00 (2025) |
| Primary APN | 580-261-18-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,920 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 6,019 sqft (0.138 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 10196 CHALLENGER CIR |
|---|---|
| City | SPRING VALLEY |
| State | CA |
| Zip | 91978-2016 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 31 TR 013866 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 013866 |
| Legal Block | 3 |
| Legal Lot Number | 31 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 13506 |
Source: San Diego County records · APN 580-261-18-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WORLD WIDE CREDIT CORP |
| Dec 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) WORLD WIDE CREDIT |
| Mar 28, 2019 | Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) WORLD WIDE CREDIT |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2019 · Amount on Record |
| Deed Sale | Mar 28, 2019 · Amount on Record |
| Prior Sale | May 02, 2001 · Amount on Record |
| Deed Doc Number | 2019111872 |
| Prior Transfer Date | Mar 21, 2005 |
| Prior Transfer Doc | 0000247886 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 17, 2026 |
| Property Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Document Number | 0000206160 |
| Instrument Date | Jul 11, 2026 |
| Instrument | 2026206160 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Document Number | 0000206160, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 2026206160 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 11, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2021 |
| Title Company | WESTERN RESOURCES TITLE |
| Name | Verified Name |
|---|---|
| Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Document Number | 0000455837 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021-0455837 |
| Name | WORLD WIDE CREDIT CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Document Number | 0000593589 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 10196 CHALLENGER CIR SPRING VALLEY CA 919782016, SPRING VALLEY, CA 91978-2016 |
| Document Number | 0000593589 |
|---|---|
| Date | Dec 18, 2019 |
| Instrument | 593589 |
| Name | WORLD WIDE CREDIT |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN DIEGO, CA 92123 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 28, 2019 |
| Property Address | 10196 CHALLENGER CIR, SPRING VALLEY, CA 91978-2016 |
| Document Number | 0000111872 |
| Instrument Date | Mar 06, 2019 |
| Instrument | 111872 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2019 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $770.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 10196 CHALLENGER CIR SPRING VALLEY CA 919782016, SPRING VALLEY, CA 91978-2016 |
| Document Number | 111873 |
|---|---|
| Date | Mar 28, 2019 |
| Instrument | 111873 |
| Name | WORLD WIDE CREDIT |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN DIEGO, CA 92123 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2049 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $796,473 (+2%) Land $237,346 Building $559,127 | |
| 2025 | $9,884.00 (+6.65%) Homeowner's exemption | $780,857 (+4.04%) Land $232,693 Building $548,164 |
| 2023 | $9,268.00 (+1.43%) Homeowner's exemption | $750,537 Land $223,658 Building $526,879 |
| 2022 | $9,137.00 |
10196 Challenger Cir is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (High risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | High 77th percentile of exposed land nationally · 54th in California |
|---|---|
| Wildfire Likelihood | High — about 1 in 248 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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