10403 Elmdale Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 10403 Elmdale Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,222 sqft · built 1961
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`580-092-02-00`

Property Details

APN / Parcel Number

Primary APN	`580-092-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,222 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	6,300 sqft (0.145 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10403 ELMDALE DR
City	SPRING VALLEY
State	CA
Zip	91977-5405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 107 TR 004526
Legal Subdivision	SWEETWATER SPGS
Legal Tract	004526
Legal Block	1
Legal Lot Number	107
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	13504

Owner

10403 Elmdale Dr is owner-occupied and held in a trust since December 2017.

Source: San Diego County records, as of August 25, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10403 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 4, 2018	Affidavit of Death, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 27, 2017
Transfer Doc	0000003941
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10403 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000393186
Date	Jul 21, 2020
Instrument	2020-0393186

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

January 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 4, 2018
Property Address	10403 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Document Number	0000003941
Instrument Date	Dec 27, 2017
Instrument	3941
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10403 ELMDALE DR SPRING VALLEY CA 919775405, SPRING VALLEY, CA 91977-5405

Mortgage

Document Number	3942
Date	Jan 4, 2018
Instrument	3942

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10403 Elmdale Dr was $2,095.

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		$116,585 (+2%) Land $28,243 Building $88,342
2025	$2,095.00	$114,300 Land $27,690 Building $86,610
2023	$1,899.00 (+2.43%)	$109,864 Land $26,616 Building $83,248
2022	$1,854.00

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

Flood

FEMA maps place 10403 Elmdale Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2014 · rainfall accumulation

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 10403 Elmdale Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of 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 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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