San Diego County property record for 14845 Vesper Rd, Valley Center, CA 92082
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,284 sqft · built 1978 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $945,000 (Mar 2024) |
| Tax Bill | $10,618 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Mar 2024 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 188-290-36-00 |
| Primary APN | 188-290-36-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,284 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 108,900 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 14845 VESPER RD |
|---|---|
| City | VALLEY CENTER |
| State | CA |
| Zip | 92082-6236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 2 (EX ST) TR PM04598 |
| Legal Subdivision | P4598 |
| Legal Tract | 4598 |
| Legal Block | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | VALLEY CENTER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 19111 |
14845 Vesper Rd is owned and occupied by two individuals who bought it in March 2024.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| 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.
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CAKE MORTGAGE CORP |
| Mar 8, 2024 | Grant Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC |
| Apr 26, 2022 | Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU |
| Jun 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION |
| Sep 12, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Mar 22, 2019 | Grant Deed, Transfer · Conventional Mortgage PRIMELENDING |
| May 1, 2017 | Grant Deed, Transfer TITLE 365 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2024 · Amount on File |
| Deed Sale | Mar 8, 2024 · Amount on File |
| Prior Sale | Mar 22, 2019 · Amount on File |
| Deed Document Number | 202459515 |
| Prior Transfer Date | Aug 20, 2019 |
| Prior Transfer Doc | 0000396253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000288078 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 2025-0288078 |
| Name | CAKE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHATSWORTH, CA 91311 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 8, 2024 |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000059515 |
| Instrument Date | Jan 17, 2024 |
| Instrument | 2024-0059515 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000059516 |
|---|---|
| Date | Mar 8, 2024 |
| Instrument | 2024-0059516 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000181112 |
|---|---|
| Date | Apr 26, 2022 |
| Instrument | 2022-0181112 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92196 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 30, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000301797 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 2020-0301797 |
| Name | WINNPOINTE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 12, 2019 |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000396253 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 396253 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 14845 VESPER RD VALLEY CENTER CA 920826236, VALLEY CENTER, CA 92082-6236 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 22, 2019 |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000103948 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 103948 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2019 |
| Title Company | WESTERN RESOURCES TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $654.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 14845 VESPER RD VALLEY CENTER CA 920826236, VALLEY CENTER, CA 92082-6236 |
| Document Number | 103949 |
|---|---|
| Date | Mar 22, 2019 |
| Instrument | 103949 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 1, 2017 |
| Property Address | 14845 VESPER RD, VALLEY CENTER, CA 92082-6236 |
| Document Number | 0000194636 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 194636 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2017 |
| Title Company | TITLE 365 |
| Amount | Amount on Record |
|---|---|
| Tax | $385.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 586 CAL NEV ARI NV 890390586, CAL NEV ARI, NV 89039-0586 |
The 2025 property tax bill for 14845 Vesper Rd was $10,618.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Valley Center-Pauma Unified School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $983,073 (+2%) Land $546,210 Building $436,863 | |
| 2025 | $10,618.00 | $963,798 Land $535,500 Building $428,298 |
| 2023 | $7,050.00 (+1.73%) Homeowner's exemption | $637,956 Land $220,367 Building $417,589 |
| 2022 | $6,930.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 14845 Vesper Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 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 risk around 14845 Vesper Rd is high, ranking above 86% of the US, with a 0.9% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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