San Diego County property record for 15540 Sumac Ter, Valley Center, CA 92082
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,547 sqft · built 2006 |
| Lot Size | 2.41 acres (105,415 sqft) |
| Owner | Company Name on Record |
| Last Sale | $609,000 (Mar 2014) |
| Tax Bill | $9,294 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 132-500-09-00 |
| Primary APN | 132-500-09-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,547 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 105,415 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 15540 SUMAC TER |
|---|---|
| City | VALLEY CENTER |
| State | CA |
| Zip | 92082-4565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | LOT 9 TR 014485 |
| Legal Subdivision | VALLEY CENTER 5028-1 |
| Legal Tract | 014485 |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | VALLEY CENTER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 19110 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Apr 29, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 9, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| Dec 29, 2021 | Intrafamily Transfer, Transfer |
| Jan 27, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2014 · Amount on Record |
| Deed Sale | Mar 25, 2014 · Amount on Record |
| Prior Sale | Mar 29, 2007 · Amount on Record |
| Deed Document Number | 2014115633 |
| Last Transfer Date | Oct 29, 2021 |
| Transfer Doc | 0000871903 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Document Number | 0000187065 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022-0187065 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 9, 2021 |
| Property Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Document Number | 0000776237 |
| Map Reference | MAP 14485 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 2021-0776237 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Document Number | 0000776238 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 2021-0776238 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 1, 2031 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 29, 2021 |
| Property Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Document Number | 0000871903 |
| Map Reference | MAP 14485 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 2021-0871903 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 15540 SUMAC TER, VALLEY CENTER, CA 92082-4565 |
| Document Number | 0000064862 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 15540 SUMAC TER VALLEY CENTER CA 920824565, VALLEY CENTER, CA 92082-4565 |
| Document Number | 0000064862 |
|---|---|
| Date | Feb 8, 2017 |
| Instrument | 64862 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $809,963 (+2%) Land $241,318 Building $568,645 | |
| 2025 | $9,294.00 (+4.25%) Homeowner's exemption | $794,083 (+4.04%) Land $236,587 Building $557,496 |
| 2023 | $8,915.00 (+1.6%) Homeowner's exemption | $763,250 Land $227,401 Building $535,849 |
| 2022 | $8,775.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 3 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.
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 | 1% 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
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