San Diego County property record for 10897 Charing Cross Rd, Spring Valley, CA 91978 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1979 |
| Square Footage | 1,824 sqft Living Area |
| Lot Size | 4,632 sqft (0.106 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Tax Bill | $4,997.00 (2025) |
| Primary APN | 506-101-32-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,824 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 4,632 sqft (0.106 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 10897 CHARING CROSS RD |
|---|---|
| City | SPRING VALLEY |
| State | CA |
| Zip | 91978-1244 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 32 TR 008772 |
| Legal Subdivision | L B NELSONS VILLAGE FOUR |
| Legal Tract | 008772 |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 2 |
| Census Block | 2009 |
| Census Tract | 13505 |
Source: San Diego County records · APN 506-101-32-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 21, 2023 | Deed of Trust, Mortgage · Stand Alone Second Mortgage NAVY FCU |
| Aug 08, 2022 | Correction Deed |
| Feb 24, 2022 | Intrafamily Transfer, Transfer · Federal Housing Administration (FHA) Mortgage LOWER LLC |
| Nov 25, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 09, 2018 | Grant Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 17, 2025 |
| Deed Sale | Mar 17, 2025 |
| Prior Sale | Feb 24, 2022 |
| Deed Doc Number | 202567674 |
| Prior Transfer Date | Aug 01, 2022 |
| Prior Transfer Doc | 0000320023 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Transaction Type | Mortgage |
| Record Updated | Oct 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Document Number | 0000257123 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 2023-0257123 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2038 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 08, 2022 |
| Property Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Document Number | 0000320023 |
| Map Reference | MAP 8772 |
| Instrument Date | Aug 01, 2022 |
| Instrument | 2022-0320023 |
| Record Updated | Aug 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 24, 2022 |
| Property Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Document Number | 0000085299 |
| Map Reference | MAP 8772 |
| Instrument Date | Feb 14, 2022 |
| Instrument | 2022-0085299 |
| Transaction Type | Transfer |
| Record Updated | Mar 02, 2022 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Document Number | 0000085300 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022-0085300 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000546556 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 2019-0546556 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 09, 2018 |
| Property Address | 10897 CHARING CROSS RD, SPRING VALLEY, CA 91978-1244 |
| Document Number | 0000418252 |
| Instrument Date | Oct 02, 2018 |
| Instrument | 418252 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $526.90 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10897 CHARING CROSS RD SPRING VALLEY CA 919781244, SPRING VALLEY, CA 91978-1244 |
| Document Number | 418253 |
|---|---|
| Date | Oct 09, 2018 |
| Instrument | 418253 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 08, 2048 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Elementary School District | Cajon Valley Union Elementary School District (KG - 08) |
| Secondary School District | Grossmont Union High School District (09 - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $545,012 (+2%) Land $196,381 Building $348,631 | |
| 2025 | $4,997.00 (-26.54%) | $534,327 (+4.04%) Land $192,531 Building $341,796 |
| 2023 | $6,802.00 (+1.9%) | $513,580 Land $185,055 Building $328,525 |
| 2022 | $6,675.00 |
10897 Charing Cross Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 49th percentile of exposed land nationally · 29th in California |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,064 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures