10382 Valley Waters Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 10382 Valley Waters Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,577 sqft · built 2000
Lot Size	0.113 acres (4,944 sqft)
Owner	2 Individual Names on Record
Last Sale	$383,000 (Dec 2010)
Tax Bill	$6,457 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`580-231-02-00`

Property Details

APN / Parcel Number

Primary APN	`580-231-02-00`

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 2000
Effective Year Built	Effective 2000
Lot Area	4,944 sqft (0.113 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10382 VALLEY WATERS DR
City	SPRING VALLEY
State	CA
Zip	91978-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 30 TR 013863
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013863
Legal Block	3
Legal Lot Number	30
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 September 30, 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	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2010 · Amount on Record
Deed Sale	Dec 7, 2010 · Amount on Record
Prior Sale	Mar 16, 2005 · Amount on Record
Deed Document Number	2010673647
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2026
Property Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Document Number	0000275690
Instrument Date	Sep 17, 2026
Instrument	2026275690
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008

Mortgage

Document Number	0000275690,
Date	Sep 22, 2026
Instrument	2026275690

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008

Mortgage

Document Number	0000359825
Date	Sep 12, 2022
Instrument	2022-0359825

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008

Mortgage

Document Number	0000794054
Date	Nov 17, 2021
Instrument	2021-0794054

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10382 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008

Mortgage

Document Number	0000017774
Date	Jan 16, 2019
Instrument	2019-0017774

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

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		$500,491 (+2%) Land $196,013 Building $304,478
2025	$6,457.00 (+7.17%) Homeowner's exemption	$490,678 (+4.04%) Land $192,170 Building $298,508
2023	$6,025.00 (+1.6%) Homeowner's exemption	$471,625 Land $184,708 Building $286,917
2022	$5,930.00

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	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.

Nearby Properties on Valley Waters Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures