12480 Cumbres Ter, Valley Center, CA 92082 Property Records

San Diego County property record for 12480 Cumbres Ter, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,701 sqft · built 1974
Lot Size	2.66 acres (115,870 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (May 2023)
Tax Bill	$9,289 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-320-04-00`

Property Details

APN / Parcel Number

Primary APN	`185-320-04-00`
Alternative APN	`1850621400`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,701 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	115,870 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	1850621400
Street Address	12480 CUMBRES TER
City	VALLEY CENTER
State	CA
Zip	92082-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 2-11-2W LOT 3 DOC221680REC72 IN
Legal Range	02W
Legal Township	11
Legal Section	02
Legal Subdivision	SAN BERNARDINO BASE & MERIDIAN
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	2
Census Block	2013
Census Tract	19103

Owner

12480 Cumbres Ter is owned and occupied by two individuals who bought it in May 2023.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12480 CUMBRES TER, VALLEY CENTER, CA 92082-4026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Grant Deed, Transfer · FHA Mortgage PANORAMA MORTGAGE GROUP LLC
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Dec 26, 2018	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Oct 16, 2015 · Amount on File
Deed Document Number	2023131185
Prior Transfer Date	Dec 8, 2010
Prior Transfer Doc	0000688350
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2023
Property Address	12480 CUMBRES TER, VALLEY CENTER, CA 92082-4026
Document Number	0000131185
Instrument Date	Apr 20, 2023
Instrument	2023-0131185
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
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	12480 CUMBRES TER, VALLEY CENTER, CA 92082-4026

Mortgage

Document Number	0000131186
Date	May 18, 2023
Instrument	2023-0131186

Lender

Name	PANORAMA MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12480 CUMBRES TER, VALLEY CENTER, CA 92082-4026
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12480 CUMBRES TER, VALLEY CENTER, CA 92082-4026

Mortgage

Document Number	0000597181
Date	Aug 23, 2021
Instrument	2021-0597181

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12480 CUMBRES TER, VALLEY CENTER, CA 92082-4026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000527524
Date	Dec 26, 2018
Instrument	2018-0527524

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	362 Months
Due	Jan 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12480 Cumbres Ter was $9,289, up 2.2% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$854,270 (+2%) Land $413,358 Building $440,912
2025	$9,289.00 (+2.17%)	$837,520 Land $405,253 Building $432,267
2024	$9,092.00 (+60.04%)
2023	$5,681.00 (+1.76%)	$500,637 Land $242,244 Building $258,393
2022	$5,583.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12480 Cumbres Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	2 in force
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2010 · rainfall accumulation

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

Wildfire risk around 12480 Cumbres Ter is high, ranking above 88% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 88% of the US · above 69% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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	VALLEY CENTER MWD serves 30,166 people · EPA ID CA3710026
Water Source	Purchased surface water from SAN DIEGO COUNTY WATER AUTHORITY
Last State Inspection	Apr 2021
Lead	4 ppb (2020–2022) 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cumbres Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures