10408 Elmdale Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 10408 Elmdale Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,877 sqft · built 1970
Lot Size	0.175 acres (7,600 sqft)
Owner	Individual Name on File
Tax Bill	$1,334 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`580-091-06-00`

Property Details

APN / Parcel Number

Primary APN	`580-091-06-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,877 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	7,600 sqft (0.175 acres)
Lot Dimensions	105 ft deep x 61 ft wide
Garage Type	Attached

Location & Zoning

Street Address	10408 ELMDALE DR
City	SPRING VALLEY
State	CA
Zip	91977-5404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 119 TR 004526
Legal Subdivision	SWEETWATER SPGS
Legal Tract	004526
Legal Block	3
Legal Lot Number	119
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3006
Census Tract	13504

Owner

10408 Elmdale Dr is owned and occupied by an individual who acquired it in October 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 4, 2021	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Mar 29, 2022	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Jul 13, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Oct 16, 2019	Quit Claim Deed, Transfer · VA Mortgage SOVEREIGN LNDG
Nov 14, 2018	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Nov 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 19, 2017	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Apr 20, 2017	Quit Claim Deed, Transfer · VA Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2019
Deed Sale	Oct 16, 2019
Prior Sale	Feb 18, 1998 · Amount on File
Deed Document Number	2019465517
Prior Transfer Date	Oct 1, 2019
Prior Transfer Doc	0000465517
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	0000417375
Date	Jun 4, 2021
Instrument	2021-0417375

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	TIMIOS TITLE INC, TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	0000137368
Date	Mar 29, 2022
Instrument	2022-0137368

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000409594
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	0000409594
Date	Jul 28, 2020
Instrument	409594

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2019
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000465517
Instrument Date	Oct 10, 2019
Instrument	465517
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	UNISOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	465518
Date	Oct 16, 2019
Instrument	465518

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000485716
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	0000485716
Date	Nov 26, 2018
Instrument	485716

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 15, 2018
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000476237
Instrument Date	Nov 13, 2018
Instrument	476237
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10408 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000607738
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	0000607738
Date	Dec 27, 2017
Instrument	607738

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 20, 2017
Property Address	10408 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000176294
Instrument Date	Feb 24, 2017
Instrument	176294
Transaction Type	Transfer
Record Updated	Apr 25, 2017
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	176295
Date	Apr 20, 2017
Instrument	176295

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10408 Elmdale Dr was $1,334 with a veteran's exemption.

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		$229,640 (+2%) Land $60,043 Building $169,597
2025	$1,334.00	$225,138 Land $58,866 Building $166,272
2023	$1,264.00 (-4.24%)	$216,397 Land $56,581 Building $159,816
2022	$1,320.00

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

Flood

FEMA maps place 10408 Elmdale Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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

Wildfire risk around 10408 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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