San Diego County property record for 10604 Garden Way, Spring Valley, CA 91978
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 980 sqft · built 1949 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,528 (2025) |
| Deeds & Mortgages | Apr 2021 Reverse Mortgage May 2022 Reverse Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 505-162-03-00 |
| Primary APN | 505-162-03-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 980 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Lot Area | 15,000 sqft (0.344 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Street Address | 10604 GARDEN WAY |
|---|---|
| City | SPRING VALLEY |
| State | CA |
| Zip | 91978-1112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 16 TR 002419 |
| Legal Subdivision | MOUNT HELIX ACRES |
| Legal Tract | 002419 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 13505 |
Source: San Diego County assessment roll, 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 Company Names on File |
|---|---|
| Mailing Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Apr 7, 2021 | Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC |
| May 19, 2022 | Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC |
| Mar 6, 2026 | Correction Deed |
| Feb 24, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Feb 20, 2023 |
| Transfer Doc | 0000048346 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Document Number | 0000270739 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 2021-0270739 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 783 Months |
| Due | Jul 8, 2086 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.82% |
| Type Change Date | Jun 1, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 1.82% |
| Max Rate At Change | 6.82% |
| Index | 1-Year LIBOR |
| Max Rate | 6.82% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Document Number | 0000215707 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 2022-0215707 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 770 Months |
| Due | Jul 8, 2086 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.85% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.85% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 6, 2026 |
| Property Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Document Number | 0000062782 |
| Map Reference | MAP 2419 |
| Instrument Date | Jan 23, 2026 |
| Instrument | 2026-0062782 |
| Record Updated | Mar 17, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 24, 2023 |
| Property Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
| Document Number | 0000048346 |
| Map Reference | MAP 2419 |
| Instrument Date | Feb 20, 2023 |
| Instrument | 2023-0048346 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10604 GARDEN WAY, SPRING VALLEY, CA 91978-1112 |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $248,487 (+2%) Land $121,848 Building $126,639 | |
| 2025 | $3,528.00 (+8.52%) | $243,615 (+4.04%) Land $119,459 Building $124,156 |
| 2023 | $3,251.00 (+1.98%) Homeowner's exemption | $234,157 Land $114,821 Building $119,336 |
| 2022 | $3,188.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
| 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.
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, California Internet, San Diego Broadband, T-Mobile USA, Verizon.
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