10281 Toledo Rd, Spring Valley, CA 91977 Property Records

San Diego County property record for 10281 Toledo Rd, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,378 sqft · built 1961
Lot Size	0.232 acres (10,100 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Feb 1984)
Tax Bill	$6,684 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`501-303-04-00`

Property Details

APN / Parcel Number

Primary APN	`501-303-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,378 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	10,100 sqft (0.232 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10281 TOLEDO RD
City	SPRING VALLEY
State	CA
Zip	91977-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 44 TR 004596
Legal Subdivision	HELIX CORONA
Legal Tract	004596
Legal Block	3
Legal Lot Number	44
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3008
Census Tract	13601

Owner

10281 Toledo Rd is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Feb 13, 2025	Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC
Jan 25, 2024	Intrafamily Transfer, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 1984 · Amount on File
Deed Sale	Feb 13, 1984 · Amount on File
Deed Document Number	198452372
Last Transfer Date	Jan 23, 2024
Transfer Doc	0000021156
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735

Mortgage

Document Number	0000276911
Date	Apr 9, 2021
Instrument	2021-0276911

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735

Mortgage

Document Number	0000036466
Date	Feb 13, 2025
Instrument	2025-0036466

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2055

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 25, 2024
Property Address	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735
Document Number	0000021156
Map Reference	MAP 4596
Instrument Date	Jan 23, 2024
Instrument	2024-0021156
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

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	10281 TOLEDO RD, SPRING VALLEY, CA 91977-1735

Mortgage

Document Number	0000021157
Date	Jan 25, 2024
Instrument	2024-0021157

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10281 Toledo Rd was $6,684 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		$523,543 (+2%) Land $273,494 Building $250,049
2025	$6,684.00 Homeowner's exemption	$513,279 Land $268,132 Building $245,147
2023	$6,237.00 (+1.58%) Homeowner's exemption	$493,350 Land $257,721 Building $235,629
2022	$6,140.00

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

Flood

FEMA maps place 10281 Toledo Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

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	3 (2017–2024)
Claims Outside the SFHA	3 of 3
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

Wildfire risk around 10281 Toledo Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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