10620 Garden Way, Spring Valley, CA 91978 Property Records

San Diego County property record for 10620 Garden Way, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,405 sqft · built 1970
Lot Size	0.386 acres (16,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Apr 2026)
Tax Bill	$1,642 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`505-162-04-00`

Property Details

APN / Parcel Number

Primary APN	`505-162-04-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,405 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	16,800 sqft (0.386 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10620 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 13 TR 002419
Legal Subdivision	MT HELIX ACRES
Legal Tract	002419
Legal Block	1
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1002
Census Tract	13505

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	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 27, 2026	Grant Deed, Transfer · FHA Mortgage GOLDEN EMPIRE MORTGAGE INC
Mar 25, 2026	Intrafamily Transfer, Transfer
Mar 28, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Mar 28, 2018 · Amount on Record
Deed Document Number	2026118076
Prior Transfer Date	Jul 18, 2014
Prior Transfer Doc	0000312247
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112
Transaction Type	Mortgage
Record Updated	May 6, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112

Mortgage

Document Number	0000407415
Date	Jun 1, 2021
Instrument	2021-0407415

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2026
Property Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112
Document Number	0000118076
Instrument Date	Apr 2, 2026
Instrument	2026118076
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112

Mortgage

Document Number	0000118077,
Date	Apr 27, 2026
Instrument	2026118077

Lender

Name	GOLDEN EMPIRE MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 25, 2026
Property Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112
Document Number	0000081184
Map Reference	MAP 2419
Instrument Date	Jan 9, 2026
Instrument	2026-0081184
Transaction Type	Transfer
Record Updated	Apr 1, 2026

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
Relationship	Family Trust
Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2018
Property Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112
Document Number	0000123271
Map Reference	MAP 2419
Instrument Date	Mar 1, 2018
Instrument	2018-0123271
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	10620 GARDEN WAY, SPRING VALLEY, CA 91978-1112

Mortgage

Document Number	0000123272
Date	Mar 28, 2018
Instrument	2018-0123272

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$78,478 (+2%) Land $17,488 Building $60,990
2025	$1,642.00 (+7.53%)	$76,941 (+4.04%) Land $17,146 Building $59,795
2024	$1,527.00 (+3.95%)
2023	$1,469.00 (+2.8%)	$73,955 Land $16,481 Building $57,474
2022	$1,429.00

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 · 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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