10431 del Rio Rd, Spring Valley, CA 91978 Property Records

San Diego County property record for 10431 del Rio Rd, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,929 sqft · built 1942
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Nov 2018)
Tax Bill	$7,567 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`505-101-65-00`

Property Details

APN / Parcel Number

Primary APN	`505-101-65-00`
Alternative APN	`5051021100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,929 sqft Living Area

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Lot Area	10,800 sqft (0.248 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	5051021100
Street Address	10431 DEL RIO RD
City	SPRING VALLEY
State	CA
Zip	91978-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 80 TR 002246
Legal Subdivision	MOUNT HELIX HIGHLANDS
Legal Tract	002246
Legal Block	1
Legal Lot Number	80
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	13505

Owner

10431 del Rio Rd is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010
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
Aug 30, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Sep 20, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Nov 30, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 21, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Feb 21, 2018	Grant Deed, Transfer · Conventional with PMI MICHAEL P FORD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2018 · Amount on File
Deed Sale	Nov 30, 2018 · Amount on File
Prior Sale	Feb 21, 2018 · Amount on File
Deed Document Number	2018495456
Prior Transfer Date	Feb 20, 2018
Prior Transfer Doc	0000067970
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010

Mortgage

Document Number	0000615188
Date	Aug 30, 2021
Instrument	2021-0615188

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010
Document Number	0000422816
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10431 DEL RIO RD SPRING VALLEY CA 919781010, SPRING VALLEY, CA 91978-1010

Mortgage

Document Number	0000422816
Date	Sep 25, 2019
Instrument	422816

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2018
Property Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010
Document Number	0000495456
Instrument Date	Oct 29, 2018
Instrument	495456
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10431 DEL RIO RD SPRING VALLEY CA 919781010, SPRING VALLEY, CA 91978-1010

Mortgage

Document Number	495457
Date	Nov 30, 2018
Instrument	495457

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 21, 2018
Property Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010
Document Number	0000067970
Instrument Date	Feb 20, 2018
Instrument	67970
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 2999 EL CAJON CA 920210890, EL CAJON, CA 92021-0890

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 21, 2018
Property Address	10431 DEL RIO RD, SPRING VALLEY, CA 91978-1010
Document Number	0000067969
Instrument Date	Jan 17, 2018
Instrument	67969
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$456.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 2999 EL CAJON CA 920210890, EL CAJON, CA 92021-0890

Mortgage

Document Number	67971
Date	Feb 21, 2018
Instrument	67971

Lender

Name	MICHAEL P FORD
Address	101 LEUCADIA BLVD # 600, ENCINITAS, CA 92024-1713

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10431 del Rio Rd was $7,567 with a homeowner'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		$597,353 (+2%) Land $317,742 Building $279,611
2025	$7,567.00 Homeowner's exemption	$585,641 Land $311,512 Building $274,129
2023	$7,074.00 (+1.52%) Homeowner's exemption	$562,901 Land $299,416 Building $263,485
2022	$6,968.00

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

Flood

FEMA maps place 10431 del Rio Rd in Zone X, an area of minimal flood risk.

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	3 in force

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 10431 del Rio Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100

May also be available: GeoLinks, T-Mobile, Verizon.

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