10420 Elmdale Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 10420 Elmdale Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,630 sqft · built 1970
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Jun 2020)
Tax Bill	$8,107 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`580-091-04-00`

Property Details

APN / Parcel Number

Primary APN	`580-091-04-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10420 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 117 TR 004526
Legal Subdivision	SWEETWATER SPGS
Legal Tract	004526
Legal Block	3
Legal Lot Number	117
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3006
Census Tract	13504

Owner

10420 Elmdale Dr is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Nov 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Jun 18, 2020	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 31, 2017	Grant Deed, Transfer · Conventional Mortgage CMG FINANCIAL
Jun 1, 2017	Quit Claim Deed, Transfer · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2020 · Amount on File
Deed Sale	Jun 18, 2020 · Amount on File
Prior Sale	Aug 31, 2017 · Amount on File
Deed Document Number	2020317969
Prior Transfer Date	Oct 4, 1994
Prior Transfer Doc	0000605391
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000311847
Date	Nov 9, 2023
Instrument	2023-0311847

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2033

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 18, 2020
Property Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000317969
Map Reference	MAP 4526
Instrument Date	Jun 5, 2020
Instrument	2020-0317969
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE SD

Transaction

Amount	Amount on Record
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
Relationship	Community Property
Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000317970
Date	Jun 18, 2020
Instrument	2020-0317970

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2017
Property Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000401625
Map Reference	MAP4526
Instrument Date	Aug 18, 2017
Instrument	2017-0401625
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Community Property with Right of Survivorship
Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000401626
Date	Aug 31, 2017
Instrument	2017-0401626

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 1, 2017
Property Address	10420 ELMDALE DR, SPRING VALLEY, CA 91977-5404
Document Number	0000245105
Instrument Date	May 24, 2017
Instrument	245105
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10420 ELMDALE DR SPRING VALLEY CA 919775404, SPRING VALLEY, CA 91977-5404

Mortgage

Document Number	245106
Date	Jun 1, 2017
Instrument	245106

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 31, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10420 Elmdale Dr was $8,107.

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		$635,842 (+2%) Land $256,388 Building $379,454
2025	$8,107.00	$623,375 Land $251,361 Building $372,014
2023	$7,589.00 (+1.47%)	$599,170 Land $241,601 Building $357,569
2022	$7,479.00

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

Flood

FEMA maps place 10420 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 10420 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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