10206 Valley Waters Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 10206 Valley Waters Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,920 sqft · built 2001
Lot Size	0.136 acres (5,934 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Dec 2018)
Tax Bill	$9,308 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`580-260-07-00`

Property Details

APN / Parcel Number

Primary APN	`580-260-07-00`

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	5,934 sqft (0.136 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10206 VALLEY WATERS DR
City	SPRING VALLEY
State	CA
Zip	91978-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 7 TR 013866
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013866
Legal Block	3
Legal Lot Number	7
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 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	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 24, 2019	Correction Deed · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 19, 2018	Quit Claim Deed, Transfer QUICKEN LNS
Dec 19, 2018	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Mar 15, 2001 · Amount on Record
Deed Document Number	2018520531
Last Transfer Date	Oct 18, 2019
Transfer Doc	0000483277
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	0000187428
Date	Mar 10, 2021
Instrument	2021-0187428

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

October 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2019
Property Address	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Document Number	0000483277
Map Reference	MAP 13866
Instrument Date	Oct 18, 2019
Instrument	2019-0483277
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	0000483278
Date	Oct 24, 2019
Instrument	2019-0483278

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 19, 2018
Property Address	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Document Number	0000520532
Instrument Date	Dec 11, 2018
Instrument	520532
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	10206 VALLEY WATERS DR SPRING VALLEY CA 919782011, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	520533
Date	Dec 19, 2018
Instrument	520533

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 19, 2018
Property Address	10206 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Document Number	0000520531
Instrument Date	Nov 29, 2018
Instrument	520531
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	10206 VALLEY WATERS DR SPRING VALLEY CA 919782011, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	520533
Date	Dec 19, 2018
Instrument	520533

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

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		$739,582 (+2%) Land $214,159 Building $525,423
2025	$9,308.00 (+6.67%)	$725,081 (+4.04%) Land $209,960 Building $515,121
2023	$8,726.00 (+1.43%)	$696,927 Land $201,808 Building $495,119
2022	$8,603.00

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 77% of the US · above 53% of California
Wildfire Likelihood	0.4% 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 84 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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