10475 Valley Waters Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 10475 Valley Waters Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,577 sqft · built 2004
Lot Size	0.124 acres (5,393 sqft)
Owner	Company Name on Record
Last Sale	$638,000 (Sep 2018)
Tax Bill	$9,150 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2017 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`580-230-03-00`

Property Details

APN / Parcel Number

Primary APN	`580-230-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,577 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	5,393 sqft (0.124 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10475 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 3 TR 013863
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013863
Legal Block	3
Legal Lot Number	3
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	Company Name on Record
Mailing Address	3937 LA CRESTA WAY, BONITA, CA 91902-2575
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Jun 13, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BRIKHO CAPITAL INC
Aug 17, 2021	Intrafamily Transfer, Transfer
Sep 10, 2018	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT
Sep 10, 2018	Quit Claim Deed, Transfer LAWYERS TITLE
Jan 25, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2018 · Amount on Record
Deed Sale	Sep 10, 2018 · Amount on Record
Prior Sale	Dec 15, 2015 · Amount on Record
Deed Document Number	2018374325
Last Transfer Date	Aug 5, 2021
Transfer Doc	0000584784
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2026
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Document Number	0000200913
Instrument Date	Jul 13, 2026
Instrument	2026200913
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	3937 LA CRESTA WAY, BONITA, CA 91902-2575

Mortgage

Document Number	0000200913,
Date	Jul 14, 2026
Instrument	2026200913

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000263585
Date	Jun 13, 2017
Instrument	2017-0263585

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3937 LA CRESTA WAY, BONITA, CA 91902-2575

Mortgage

Document Number	0000875847
Date	Dec 30, 2021
Instrument	2021-0875847

Lender

Name	BRIKHO CAPITAL INC
Type	Mortgage Company
Address	LA MESA, CA 91941

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2021
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Document Number	0000584784
Map Reference	MAP 13863
Instrument Date	Aug 5, 2021
Instrument	2021-0584784
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3937 LA CRESTA WAY, CAMARILLO, CA 93010

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2018
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Document Number	0000374325
Instrument Date	Sep 6, 2018
Instrument	374325
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$701.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10475 VALLEY WATERS DR SPRING VALLEY CA 919782000, SPRING VALLEY, CA 91978-2000

Mortgage

Document Number	374326
Date	Sep 10, 2018
Instrument	374326

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2018
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Document Number	0000374327
Instrument Date	Sep 6, 2018
Instrument	374327
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	LAWYERS TITLE

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	10475 VALLEY WATERS DR SPRING VALLEY CA 919782000, SPRING VALLEY, CA 91978-2000

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10475 VALLEY WATERS DR, SPRING VALLEY, CA 91978-2000
Document Number	0000054326
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2017
Title Company	TSI TITLE COMPANY, TSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10475 VALLEY WATERS DR SPRING VALLEY CA 919782000, SPRING VALLEY, CA 91978-2000

Mortgage

Document Number	0000054326
Date	Feb 2, 2017
Instrument	54326

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 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		$725,929 (+2%) Land $260,478 Building $465,451
2025	$9,150.00 (+6.68%)	$711,696 (+4.04%) Land $255,371 Building $456,325
2023	$8,577.00 (+1.44%)	$684,061 Land $245,455 Building $438,606
2022	$8,455.00

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	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Nearby Properties on Valley Waters Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures