10285 Stone Point Ln, Spring Valley, CA 91977 Property Records

San Diego County property record for 10285 Stone Point Ln, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,667 sqft · built 1989
Lot Size	0.79 acres (3,433 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jul 1989)
Tax Bill	$2,476 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`580-212-28-00`

Property Details

APN / Parcel Number

Primary APN	`580-212-28-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,667 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	3,433 sqft (0.79 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10285 STONE POINT LN
City	SPRING VALLEY
State	CA
Zip	91977-6538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 222 TR 012111
Legal Subdivision	SAN DIEGO #4074-5
Legal Tract	012111
Legal Block	3
Legal Lot Number	222
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3009
Census Tract	13504

Owner

Source: San Diego County records, as of July 28, 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 Record
Mailing Address	10285 STONE POINT LN, SPRING VALLEY, CA 91977-6538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Closed-End Mortgage NEWREZ LLC
Nov 17, 2017	Deed of Trust, Mortgage · VA Mortgage ANCHOR FUNDING INC
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage ANCHOR FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 1989 · Amount on Record
Deed Sale	Jul 14, 1989 · Amount on Record
Deed Document Number	1989372932
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10285 STONE POINT LN, SPRING VALLEY, CA 91977-6538
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	CALIFORNIA BEST TITLE CO, CALIFORNIA BEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10285 STONE POINT LN, SPRING VALLEY, CA 91977-6538

Mortgage

Document Number	0000033980
Date	Feb 6, 2026
Instrument	2026-0033980

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10285 STONE POINT LN, SPRING VALLEY, CA 91977-6538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000538076
Date	Nov 17, 2017
Instrument	2017-0538076

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10285 STONE POINT LN, SPRING VALLEY, CA 91977-6538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10285 STONE POINT LN, SPRING VALLEY, CA 91977-6538

Mortgage

Document Number	0000509191
Date	Sep 2, 2020
Instrument	2020-0509191

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$328,335 (+2%) Land $116,141 Building $212,194
2025	$2,476.00 (+5.54%)	$321,898 (+4.04%) Land $113,864 Building $208,034
2023	$2,346.00 (-42.29%) Homeowner's exemption	$309,400 Land $109,444 Building $199,956
2022	$4,065.00

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 · 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	1 (2024)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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	Viejas Community System tribal government · serves 9,600 people · EPA ID 090600158
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 675 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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