10394 Valley Waters Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 10394 Valley Waters Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,733 sqft · built 2000
Lot Size	0.12 acres (5,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Oct 2019)
Tax Bill	$9,528 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`580-231-01-00`

Property Details

APN / Parcel Number

Primary APN	`580-231-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,733 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	5,233 sqft (0.12 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10394 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 29 TR 013863
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013863
Legal Block	3
Legal Lot Number	29
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 October 19, 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	10394 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage EQUITY WAVE LENDING
Oct 1, 2019	Grant Deed, Transfer PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	May 5, 2016 · Amount on Record
Deed Document Number	2019434917
Prior Transfer Date	May 2, 2016
Prior Transfer Doc	0000215281
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10394 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 CAMINO MOJAVE, CHULA VISTA, CA 91914-4614

Mortgage

Document Number	0000316395
Date	Nov 10, 2025
Instrument	2025-0316395

Lender

Name	EQUITY WAVE LENDING
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Dec 1, 2028

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2019
Property Address	10394 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2008
Document Number	0000434917
Instrument Date	Aug 24, 2019
Instrument	434917
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	VALLEY WATERS DR SPRING VALLEY CA 91978, SPRING VALLEY, CA 91978

Mortgage

Document Number	434918
Date	Oct 1, 2019
Instrument	434918

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 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		$758,546 (+2%) Land $278,876 Building $479,670
2025	$9,528.00 (+6.65%)	$743,673 (+4.04%) Land $273,408 Building $470,265
2023	$8,934.00 (+1.43%)	$714,798 Land $262,793 Building $452,005
2022	$8,808.00

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