10498 Rancho Rd, La Mesa, CA 91941 Property Records

San Diego County property record for 10498 Rancho Rd, La Mesa, CA 91941

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 1950
Lot Size	0.28 acres (12,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Mar 1999)
Tax Bill	$3,943 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`501-370-30-00`

Property Details

APN / Parcel Number

Primary APN	`501-370-30-00`
Alternative APN	`5012200900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,602 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	12,200 sqft (0.28 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	5012200900
Street Address	10498 RANCHO RD
City	LA MESA
State	CA
Zip	91941-7065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 497 TR 002636
Legal Subdivision	MOUNT HELIX RANCHO
Legal Tract	002636
Legal Block	3
Legal Lot Number	497
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	13601

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	10498 RANCHO RD, LA MESA, CA 91941-7065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Correction Deed · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 29, 2018	Quit Claim Deed PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.
May 14, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 1999 · Amount on Record
Deed Sale	Mar 31, 1999 · Amount on Record
Prior Sale	Aug 29, 1985 · Amount on Record
Deed Document Number	1999215766
Last Transfer Date	Aug 19, 2022
Transfer Doc	0000341488
Record Updated	Sep 20, 2026

August 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 25, 2022
Property Address	10498 RANCHO RD, LA MESA, CA 91941-7065
Document Number	0000341488
Map Reference	MAP 2636
Instrument Date	Aug 19, 2022
Instrument	2022-0341488
Record Updated	Sep 5, 2022
Title Company	BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10498 RANCHO RD, LA MESA, CA 91941-7065

Mortgage

Document Number	0000341489
Date	Aug 25, 2022
Instrument	2022-0341489

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 29, 2018
Property Address	10498 RANCHO RD, LA MESA, CA 91941-7065
Document Number	0000215178
Instrument Date	May 18, 2018
Instrument	215178
Record Updated	Nov 21, 2018
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10498 RANCHO RD LA MESA CA 919417065, LA MESA, CA 91941-7065

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10498 RANCHO RD, LA MESA, CA 91941-7065
Document Number	0000203025
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10498 RANCHO RD LA MESA CA 919417065, LA MESA, CA 91941-7065

Mortgage

Document Number	0000203025
Date	May 21, 2018
Instrument	203025

Lender

Name	AMERICAN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$343,776 (+2%) Land $134,284 Building $209,492
2025	$3,943.00 (+2.68%) Homeowner's exemption	$337,036 (+4.04%) Land $131,651 Building $205,385
2024	$3,840.00 (+2.98%)
2023	$3,729.00 (+1.22%) Homeowner's exemption	$323,950 Land $126,540 Building $197,410
2022	$3,684.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2017–2024)
Claims Outside the SFHA	3 of 3
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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