10741 Garden Way, Spring Valley, CA 91978 Property Records

San Diego County property record for 10741 Garden Way, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,661 sqft · built 1980
Lot Size	0.468 acres (20,400 sqft)
Owner	2 Company Names on Record
Last Sale	$1,005,000 (Jun 2024)
Tax Bill	$10,770 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2017 Reverse Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`505-164-06-00`

Property Details

APN / Parcel Number

Primary APN	`505-164-06-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	1,661 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	20,400 sqft (0.468 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10741 GARDEN WAY
City	SPRING VALLEY
State	CA
Zip	91978-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 53 TR 002419
Legal Subdivision	MOUNT HELIX ACRES
Legal Tract	002419
Legal Block	1
Legal Lot Number	53
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
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 Company Names on Record
Mailing Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Jul 14, 2017	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage POINT LOMA CU
Nov 13, 2020	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 5, 2018	Grant Deed, Transfer · FHA Mortgage US BANK NA
Jul 6, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Apr 27, 2022 · Amount on Record
Deed Document Number	2024161749
Prior Transfer Date	Dec 29, 1993
Prior Transfer Doc	0000024445
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2022
Property Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Document Number	0000183748
Map Reference	MAP 2419
Instrument Date	Mar 15, 2022
Instrument	2022-0183748
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	355 K ST STE E, E, CHULA VISTA, CA 91911-1209

Mortgage

Document Number	0000183749
Date	Apr 27, 2022
Instrument	2022-0183749

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000319525
Date	Jul 14, 2017
Instrument	2017-0319525

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152140
Date	Apr 17, 2018
Instrument	2018-0152140

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2028

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2020
Property Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Document Number	0000713750
Map Reference	MAP 2419
Instrument Date	Sep 29, 2020
Instrument	2020-0713750
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131

Mortgage

Document Number	0000713751
Date	Nov 13, 2020
Instrument	2020-0713751

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 5, 2018
Property Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Document Number	0000006399
Map Reference	MAP 2419
Instrument Date	Nov 9, 2017
Instrument	2018-0006399
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Community Property with Right of Survivorship
Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131

Mortgage

Document Number	0000006400
Date	Jan 5, 2018
Instrument	2018-0006400

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10741 GARDEN WAY, SPRING VALLEY, CA 91978-1131
Document Number	0000319526
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10741 GARDEN WAY SPRING VALLEY CA 919781131, SPRING VALLEY, CA 91978-1131

Mortgage

Document Number	0000319526
Date	Jul 14, 2017
Instrument	319526

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.48%

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		$1,045,602 (+2%) Land $624,240 Building $421,362
2025	$10,770.00 (-11.99%) Veteran's exemption	$1,025,100 (+13.52%) Land $612,000 Building $413,100
2024	$12,237.00 (+10.13%)
2023	$11,111.00 (+22.8%)	$903,000 Land $347,000 Building $556,000
2022	$9,048.00

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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