10248 Valley Waters Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 10248 Valley Waters Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,577 sqft · built 2001
Lot Size	0.105 acres (4,576 sqft)
Owner	Individual Name on File
Last Sale	$679,000 (Sep 2018)
Tax Bill	$9,608 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`580-260-04-00`

Property Details

APN / Parcel Number

Primary APN	`580-260-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,577 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	4,576 sqft (0.105 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10248 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 4 TR 013866
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013866
Legal Block	3
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3003
Census Tract	13506

Owner

10248 Valley Waters Dr is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	10248 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
Sep 20, 2018	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Prior Sale	Mar 12, 2001 · Amount on File
Deed Document Number	2018393506
Prior Transfer Date	Jun 10, 2015
Prior Transfer Doc	0000306473
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10248 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10248 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	0000612222
Date	Oct 9, 2020
Instrument	2020-0612222

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10248 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Document Number	0000389796
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10248 VALLEY WATERS DR SPRING VALLEY CA 919782011, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	0000389796
Date	Sep 9, 2019
Instrument	389796

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 20, 2018
Property Address	10248 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2011
Document Number	0000393506
Instrument Date	Sep 7, 2018
Instrument	393506
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$746.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10248 VALLEY WATERS DR SPRING VALLEY CA 919782011, SPRING VALLEY, CA 91978-2011

Mortgage

Document Number	393507
Date	Sep 20, 2018
Instrument	393507

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10248 Valley Waters Dr was $9,608 with a homeowner'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		$772,579 (+2%) Land $250,939 Building $521,640
2025	$9,608.00 Homeowner's exemption	$757,431 Land $246,019 Building $511,412
2023	$9,007.00 (+1.45%) Homeowner's exemption	$728,021 Land $236,467 Building $491,554
2022	$8,878.00

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

Flood

FEMA maps place 10248 Valley Waters Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10248 Valley Waters Dr is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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 306 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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