12485 Campo Rd, Spring Valley, CA 91978 Property Records

San Diego County property record for 12485 Campo Rd, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1969
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on Record
Last Sale	$417,000 (Jun 2015)
Tax Bill	$5,833 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`596-210-30-00`

Property Details

APN / Parcel Number

Primary APN	`596-210-30-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,740 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	29,185 sqft (0.67 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12485 CAMPO RD
City	SPRING VALLEY
State	CA
Zip	91978-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 1 POR TR 001508
Legal Subdivision	FAIR OAKS
Legal Tract	001508
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	JAMUL
Census Block Group	3
Census Block	3003
Census Tract	21306

Owner

Source: San Diego County records, as of July 21, 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	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Aug 11, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 5, 2017	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Aug 3, 2017	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Apr 10, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Feb 12, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 12, 2020	Correction Deed · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2015 · Amount on Record
Deed Sale	Jun 26, 2015 · Amount on Record
Prior Sale	Jul 25, 1995 · Amount on Record
Deed Document Number	2015335966
Last Transfer Date	Nov 5, 2020
Transfer Doc	0000710136
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332

Mortgage

Document Number	0000290533
Date	Oct 23, 2023
Instrument	2023-0290533

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332

Mortgage

Document Number	0000571504
Date	Aug 11, 2021
Instrument	2021-0571504

Lender

Name	ROCKET MORTGAGE LLC
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005495
Date	Jan 5, 2017
Instrument	2017-0005495

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000350817
Date	Aug 3, 2017
Instrument	2017-0350817

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 1, 2046

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127937
Date	Apr 10, 2019
Instrument	2019-0127937

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073145
Date	Feb 12, 2020
Instrument	2020-0073145

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 12, 2020
Property Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332
Document Number	0000710136
Map Reference	MAP 1508
Instrument Date	Nov 5, 2020
Instrument	2020-0710136
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12485 CAMPO RD, SPRING VALLEY, CA 91978-2332

Mortgage

Document Number	0000710137
Date	Nov 12, 2020
Instrument	2020-0710137

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$511,184 (+2%) Land $171,619 Building $339,565
2025	$5,833.00 (+2.08%) Homeowner's exemption	$501,161 (+4.04%) Land $168,254 Building $332,907
2023	$5,714.00 (+1.62%) Homeowner's exemption	$481,702 Land $161,721 Building $319,981
2022	$5,623.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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	High above 86% of the US · above 67% of California
Wildfire Likelihood	0.9% 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	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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: San Diego Broadband.

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