12560 Old Campo Rd, Spring Valley, CA 91978 Property Records

San Diego County property record for 12560 Old Campo Rd, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,910 sqft · built 1970
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$645,000 (Jun 2017)
Tax Bill	$9,758 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Aug 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`596-210-45-00`

Property Details

APN / Parcel Number

Primary APN	`596-210-45-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,910 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	52,272 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12560 OLD CAMPO RD
City	SPRING VALLEY
State	CA
Zip	91978-2329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 4 DOC109422REC70 IN TR 001508
Legal Subdivision	FAIR OAKS
Legal Tract	001508
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	JAMUL
Census Block Group	2
Census Block	2009
Census Tract	21305

Owner

12560 Old Campo Rd is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 27, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 10, 2018	Quit Claim Deed FIDELITY NATIONAL TITLE
Jun 7, 2017	Quit Claim Deed, Transfer LAWYERS TITLE
Jun 7, 2017	Grant Deed, Transfer · Conventional Mortgage PEOPLES HM EQUITY
Apr 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage MARNELLE LEATHERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2017 · Amount on File
Deed Sale	Jun 7, 2017 · Amount on File
Deed Document Number	2017254320
Prior Transfer Date	Mar 11, 1997
Prior Transfer Doc	0000201557
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069639
Date	Feb 27, 2019
Instrument	2019-0069639

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 18, 2020
Property Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Document Number	0000465343
Map Reference	MAP 1508
Instrument Date	Aug 13, 2020
Instrument	2020-0465343
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329

Mortgage

Document Number	0000465344
Date	Aug 18, 2020
Instrument	2020-0465344

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 10, 2018
Property Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Document Number	0000506158
Instrument Date	Dec 5, 2018
Instrument	506158
Record Updated	Dec 18, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12560 OLD CAMPO RD SPRING VALLEY CA 919782329, SPRING VALLEY, CA 91978-2329

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 7, 2017
Property Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Document Number	0000254319
Instrument Date	May 9, 2017
Instrument	254319
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12560 OLD CAMPO RD SPRING VALLEY CA 919782329, SPRING VALLEY, CA 91978-2329

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 7, 2017
Property Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Document Number	0000254320
Instrument Date	May 9, 2017
Instrument	254320
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$709.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12560 OLD CAMPO RD SPRING VALLEY CA 919782329, SPRING VALLEY, CA 91978-2329

Mortgage

Document Number	254321
Date	Jun 7, 2017
Instrument	254321

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12560 OLD CAMPO RD, SPRING VALLEY, CA 91978-2329
Document Number	0000165214
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12560 OLD CAMPO RD SPRING VALLEY CA 919782329, SPRING VALLEY, CA 91978-2329

Mortgage

Document Number	0000165214
Date	Apr 12, 2017
Instrument	165214

Lender

Name	MARNELLE LEATHERS
Address	PO BOX 22254, SAN DIEGO, CA 92192-2254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12560 Old Campo Rd was $9,758.

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		$843,311 (+2%) Land $345,085 Building $498,226
2025	$9,758.00	$826,776 Land $338,319 Building $488,457
2023	$9,567.00 (+1.57%)	$794,674 Land $325,183 Building $469,491
2022	$9,419.00

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

Flood

FEMA maps place 12560 Old Campo Rd in Zone X, an area of minimal flood risk.

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	9 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

Wildfire risk around 12560 Old Campo Rd is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.5% 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	Sycuan tribal government · serves 12,350 people · EPA ID 090605024
Water Source	Purchased surface water from PADRE DAM MWD
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	3 ppb (2025) action level 15 ppb
Copper	1.53 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

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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