10415 Elmdale Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 10415 Elmdale Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1961
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (May 2002)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`580-092-04-00`

Property Details

APN / Parcel Number

Primary APN	`580-092-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,016 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	6,300 sqft (0.145 acres)
View / Lot	Good

Location & Zoning

Street Address	10415 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 109 TR 004526
Legal Subdivision	SWEETWATER SPGS
Legal Tract	004526
Legal Block	1
Legal Lot Number	109
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	13504

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	2 Individual Names on Record
Mailing Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · SBA Mortgage US BANK NA
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit USE CREDIT UNION
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2002 · Amount on Record
Deed Sale	May 16, 2002 · Amount on Record
Prior Sale	Jan 21, 1987 · Amount on Record
Deed Document Number	2002418095
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405

Mortgage

Document Number	0000302352
Date	Nov 2, 2023
Instrument	2023-0302352

Lender

Name	US BANK NA
Type	Bank
Address	SAN DIEGO, CA 92131

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000668691
Date	Sep 22, 2021
Instrument	2021-0668691

Lender

Name	USE CREDIT UNION
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 21, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10415 ELMDALE R, SPRING VALLEY, CA 91977-5405

Mortgage

Document Number	0000548121
Date	Sep 17, 2020
Instrument	2020-0548121

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Document Number	0000471418
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10415 ELMDALE DR SPRING VALLEY CA 919775405, SPRING VALLEY, CA 91977-5405

Mortgage

Document Number	0000471418
Date	Oct 18, 2019
Instrument	471418

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10415 ELMDALE DR, SPRING VALLEY, CA 91977-5405
Document Number	0000582075
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10415 ELMDALE DR SPRING VALLEY CA 919775405, SPRING VALLEY, CA 91977-5405

Mortgage

Document Number	0000582075
Date	Dec 14, 2017
Instrument	582075

Lender

Name	PRIVATE INDIVIDUAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2047

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		$399,298 (+2%) Land $180,813 Building $218,485
2025	$5,286.00 (+7.53%) Homeowner's exemption	$391,469 (+4.04%) Land $177,268 Building $214,201
2023	$4,916.00 (+1.7%) Homeowner's exemption	$376,270 Land $170,386 Building $205,884
2022	$4,834.00

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 · 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

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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