12861 Campo Rd, Spring Valley, CA 91978 Property Records

San Diego County property record for 12861 Campo Rd, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,156 sqft · built 1960
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$397,500 (Oct 2011)
Tax Bill	$5,938 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`596-231-02-00`

Property Details

APN / Parcel Number

Primary APN	`596-231-02-00`
Alternative APN	`5962302100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,156 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	65,340 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	5962302100
Street Address	12861 CAMPO RD
City	SPRING VALLEY
State	CA
Zip	91978-2327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 6-17-1E ELY 1/2 OF N 396 FT OF E 330 FT OF E 1/2 LOT 1
Legal Range	01E
Legal Township	17
Legal Section	06
Legal Subdivision	SAN BERNARDINO MERIDIAN
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	JAMUL
Census Block Group	2
Census Block	2023
Census Tract	21305

Owner

Source: San Diego County assessment roll, 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	2 Individual Names on File
Mailing Address	12861 CAMPO RD, SPRING VALLEY, CA 91978-2327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Jun 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage JMJ FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2011 · Amount on Record
Deed Sale	Oct 17, 2011 · Amount on Record
Deed Document Number	2011542557
Prior Transfer Date	Oct 24, 2007
Prior Transfer Doc	0000739685
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12861 CAMPO RD, SPRING VALLEY, CA 91978-2327
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12861 CAMPO RD, SPRING VALLEY, CA 91978-2327

Mortgage

Document Number	0000119865
Date	Mar 17, 2022
Instrument	2022-0119865

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12861 CAMPO RD, SPRING VALLEY, CA 91978-2327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000264770
Date	Jun 13, 2017
Instrument	2017-0264770

Lender

Name	JMJ FINANCIAL GROUP
Type	Lending Institution
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$509,253 (+2%) Land $179,358 Building $329,895
2025	$5,938.00 (+1.99%)	$499,269 (+4.04%) Land $175,842 Building $323,427
2023	$5,822.00 (+1.57%)	$479,884 Land $169,015 Building $310,869
2022	$5,732.00

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
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

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	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	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 149 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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