10515 Pine Grove St, Spring Valley, CA 91978 Property Records

San Diego County property record for 10515 Pine Grove St, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,991 sqft · built 1979
Lot Size	0.135 acres (5,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Dec 2022)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2022 Sale & Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`505-625-15-00`

Property Details

APN / Parcel Number

Primary APN	`505-625-15-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,991 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	5,892 sqft (0.135 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	10515 PINE GROVE ST
City	SPRING VALLEY
State	CA
Zip	91978-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 130 TR 008785
Legal Subdivision	CRESTWOOD
Legal Tract	008785
Legal Block	3
Legal Lot Number	130
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3001
Census Tract	13505

Owner

Source: San Diego County records, as of July 21, 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	10515 PINE GROVE ST, SPRING VALLEY, CA 91978-1506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit ENNKAR INC
Dec 12, 2022	Grant Deed, Transfer · Reverse Mortgage OPEN MORTGAGE LLC
Apr 7, 2017	Deed of Trust, Mortgage · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2022 · Amount on Record
Deed Sale	Dec 12, 2022 · Amount on Record
Prior Sale	Jun 30, 1993 · Amount on Record
Deed Document Number	2022465002
Prior Transfer Date	Oct 26, 2006
Prior Transfer Doc	0000855248
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2026
Property Address	10515 PINE GROVE ST, SPRING VALLEY, CA 91978-1506
Document Number	0000202461
Instrument Date	Jul 9, 2026
Instrument	2026202461
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10515 PINE GROVE ST, SPRING VALLEY, CA 91978-1506

Mortgage

Document Number	0000202461,
Date	Jul 15, 2026
Instrument	2026202461

Lender

Name	ENNKAR INC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2022
Property Address	10515 PINE GROVE ST, SPRING VALLEY, CA 91978-1506
Document Number	0000465002
Map Reference	MAP 8785
Instrument Date	Nov 17, 2022
Instrument	2022-0465002
Transaction Type	Transfer
Record Updated	Dec 20, 2022
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	10515 PINE GROVE ST, SPRING VALLEY, CA 91978-1506

Mortgage

Document Number	0000465003
Date	Dec 12, 2022
Instrument	2022-0465003

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.35%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.3%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10515 PINE GROVE ST, SPRING VALLEY, CA 91978-1506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156716
Date	Apr 7, 2017
Instrument	2017-0156716

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$298,413 (+2%) Land $112,501 Building $185,912
2025	$4,165.00 (+8.04%) Homeowner's exemption	$292,563 (-60.73%) Land $110,296 Building $182,267
2023	$3,855.00 (-5.84%) Homeowner's exemption	$745,000 Land $281,124 Building $463,876
2022	$4,094.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 553 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
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, San Diego Broadband, T-Mobile, Verizon.

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