10728 Garden Way, Spring Valley, CA 91978 Property Records

San Diego County property record for 10728 Garden Way, Spring Valley, CA 91978

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 1,579 sqft · built 1951
Lot Size	0.347 acres (15,101 sqft)
Owner	Individual Name on Record
Last Sale	$790,000 (Oct 2026)
Tax Bill	$8,788 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`505-163-05-00`

Property Details

APN / Parcel Number

Primary APN	`505-163-05-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Building Area	1,579 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Multi-Family
Lot Area	15,101 sqft (0.347 acres)

Location & Zoning

Street Address	10728 GARDEN WAY
City	SPRING VALLEY
State	CA
Zip	91978-1131
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RS
Legal Description	LOT 4 /EXC W 5 FT MEAS AT R/A TO W LI/ TR 002419
Legal Subdivision	MOUNT HELIX ACRES
Legal Tract	002419
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	13505

Owner

Source: San Diego County records, as of October 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4140 YALE AVE, LA MESA, CA 91941-7718
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2026 · Amount on Record
Deed Sale	Oct 13, 2026 · Amount on Record
Prior Sale	Feb 28, 2005 · Amount on Record
Deed Document Number	2026296128
Prior Transfer Date	Oct 18, 2016
Prior Transfer Doc	0000584345
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2026
Property Address	10728 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Document Number	0000296128
Instrument Date	Sep 30, 2026
Instrument	2026296128
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,769.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4140 YALE AVE, LA MESA, CA 91941-7718

Mortgage

Document Number	0000296129,
Date	Oct 13, 2026
Instrument	2026296129

Lender

Name	ML MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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		$693,062 (+2%) Land $355,417 Building $337,645
2025	$8,788.00 (+6.72%)	$679,474 (+4.04%) Land $348,449 Building $331,025
2023	$8,235.00 (+1.45%)	$653,091 Land $334,919 Building $318,172
2022	$8,117.00

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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