10403 Valley Waters Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 10403 Valley Waters Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,733 sqft · built 2004
Lot Size	0.1 acres (4,350 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Mar 2026)
Tax Bill	$8,749 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`580-230-09-00`

Property Details

APN / Parcel Number

Primary APN	`580-230-09-00`

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 2004
Effective Year Built	Effective 2004
Lot Area	4,350 sqft (0.1 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10403 VALLEY WATERS DR
City	SPRING VALLEY
State	CA
Zip	91978-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 9 TR 013863
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013863
Legal Block	3
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3005
Census Tract	13506

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	Individual Name on Record
Mailing Address	1221 ORO ST, 13, EL CAJON, CA 92021-4953
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Grant Deed, Transfer · Conventional Mortgage DTJS FINANCIAL SERVICES INC
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Prior Sale	Aug 25, 2016 · Amount on Record
Deed Document Number	202684492
Prior Transfer Date	Dec 20, 2012
Prior Transfer Doc	0000825574
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 27, 2026
Property Address	10403 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Document Number	0000084492
Map Reference	MAP 13863
Instrument Date	Feb 17, 2026
Instrument	2026-0084492
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 ORO ST APT 13, 13, EL CAJON, CA 92021-4953

Mortgage

Document Number	0000084493
Date	Mar 27, 2026
Instrument	2026-0084493

Lender

Name	DTJS FINANCIAL SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10403 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10403 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000

Mortgage

Document Number	0000066274
Date	Jan 28, 2021
Instrument	2021-0066274

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

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		$698,431 (+2%) Land $244,432 Building $453,999
2025	$8,749.00 (+3.54%) Homeowner's exemption	$684,738 (+4.04%) Land $239,640 Building $445,098
2024	$8,450.00 (+3.12%)
2023	$8,194.00 (+1.47%) Homeowner's exemption	$658,151 Land $230,336 Building $427,815
2022	$8,075.00

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	High above 71% of the US · above 46% 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 172 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks, Verizon.

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