10903 Whippletree Ln, Spring Valley, CA 91978 Property Records

San Diego County property record for 10903 Whippletree Ln, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,994 sqft · built 1973
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$383,500 (Dec 2003)
Tax Bill	$7,180 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`506-063-12-00`

Property Details

APN / Parcel Number

Primary APN	`506-063-12-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,994 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10903 WHIPPLETREE LN
City	SPRING VALLEY
State	CA
Zip	91978-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 130 TR 007250
Legal Subdivision	CARRIAGE HILLS CORNERS
Legal Tract	007250
Legal Block	2
Legal Lot Number	130
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	13506

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	10903 WHIPPLETREE LN, SPRING VALLEY, CA 91978-1938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2003 · Amount on Record
Deed Sale	Dec 8, 2003 · Amount on Record
Prior Sale	Mar 18, 1988 · Amount on Record
Deed Document Number	20031453762
Last Transfer Date	Dec 15, 2004
Transfer Doc	0000037139
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10903 WHIPPLETREE LN, SPRING VALLEY, CA 91978-1938
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10903 WHIPPLETREE LN, SPRING VALLEY, CA 91978-1938

Mortgage

Document Number	0000331662
Date	Nov 24, 2025
Instrument	2025-0331662

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10903 WHIPPLETREE LN, SPRING VALLEY, CA 91978-1938
Document Number	0000228985
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10903 WHIPPLETREE LN SPRING VALLEY CA 919781938, SPRING VALLEY, CA 91978-1938

Mortgage

Document Number	0000228985
Date	May 5, 2020
Instrument	228985

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$563,110 (+2%) Land $209,992 Building $353,118
2025	$7,180.00 (+3.59%)	$552,070 (+4.04%) Land $205,875 Building $346,195
2023	$6,931.00 (+1.9%)	$530,634 Land $197,882 Building $332,752
2022	$6,802.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) 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 863 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Verizon.

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