10639 Garden Way, Spring Valley, CA 91978 Property Records

San Diego County property record for 10639 Garden Way, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,846 sqft · built 1985
Lot Size	0.292 acres (12,700 sqft)
Owner	Company Name on Record
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Jan 2022 Reverse Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`505-165-05-00`

Property Details

APN / Parcel Number

Primary APN	`505-165-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,846 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	12,700 sqft (0.292 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10639 GARDEN WAY
City	SPRING VALLEY
State	CA
Zip	91978-1111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 38 TR 002419
Legal Subdivision	MOUNT HELIX ACRES
Legal Tract	002419
Legal Block	1
Legal Lot Number	38
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1013
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	Company Name on Record
Mailing Address	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage OPEN MORTGAGE LLC
Jun 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 27, 2017	Intrafamily Transfer, Transfer · Reverse Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2021
Transfer Doc	0000012112
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 10, 2022
Property Address	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111
Document Number	0000012112
Map Reference	MAP 2419
Instrument Date	Dec 29, 2021
Instrument	2022-0012112
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
Relationship	Family Trust
Address	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111

Mortgage

Document Number	0000012113
Date	Jan 10, 2022
Instrument	2022-0012113

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.41%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.41%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2020
Property Address	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111
Document Number	0000312366
Instrument Date	May 13, 2020
Instrument	312366
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10639 GARDEN WAY SPRING VALLEY CA 919781111, SPRING VALLEY, CA 91978-1111

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2020
Property Address	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111
Document Number	0000312365
Instrument Date	May 13, 2020
Instrument	312365
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10639 GARDEN WAY SPRING VALLEY CA 919781111, SPRING VALLEY, CA 91978-1111

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 27, 2017
Property Address	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111
Document Number	0000290455
Map Reference	MAP2419
Instrument Date	Jun 22, 2017
Instrument	2017-0290455
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

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	10639 GARDEN WAY, SPRING VALLEY, CA 91978-1111

Mortgage

Document Number	0000290456
Date	Jun 27, 2017
Instrument	2017-0290456

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.48%
Type Change Date	Jul 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

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		$240,596 (+2%) Land $26,357 Building $214,239
2025	$3,436.00 (+8.6%) Homeowner's exemption	$235,880 (+4.04%) Land $25,841 Building $210,039
2023	$3,164.00 (+1.97%) Homeowner's exemption	$226,723 Land $24,839 Building $201,884
2022	$3,103.00

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	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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