16170 Cara Ln, Valley Center, CA 92082 Property Records

San Diego County property record for 16170 Cara Ln, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,200 sqft · built 2017
Lot Size	4.1 acres (178,596 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Feb 2016)
Tax Bill	$6,924 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Sep 2017 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`188-225-26-00`

Property Details

APN / Parcel Number

Primary APN	`188-225-26-00`
Alternative APN	`1882227900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,200 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	178,596 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1882227900
Street Address	16170 CARA LN
City	VALLEY CENTER
State	CA
Zip	92082-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM17195
Legal Tract	17195
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	3
Census Block	3020
Census Tract	19110

Owner

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	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 2, 2022	Intrafamily Transfer, Transfer COMMONWEALTH LAND TITLE CO
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 27, 2017	Loan Modification, Mortgage · Conventional Mortgage FIRST GUARANTY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2016 · Amount on Record
Deed Sale	Feb 26, 2016 · Amount on Record
Prior Sale	Feb 28, 2005
Deed Document Number	201684585
Prior Transfer Date	Dec 3, 2015
Prior Transfer Doc	0000076032
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184270
Date	Apr 25, 2017
Instrument	2017-0184270

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421043
Date	Sep 14, 2017
Instrument	2017-0421043

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 9, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17.7%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000382865
Date	Jul 16, 2020
Instrument	2020-0382865

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008

Mortgage

Document Number	0000045587
Date	Jan 31, 2022
Instrument	2022-0045587

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

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

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 2, 2022
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Document Number	0000049846
Instrument Date	Jan 28, 2022
Instrument	2022-0049846
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	COMMONWEALTH LAND TITLE CO

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
Relationship	Family Trust
Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Document Number	0000200938
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16170 CARA LN VALLEY CENTER CA 920825008, VALLEY CENTER, CA 92082-5008

Mortgage

Document Number	0000200938
Date	Apr 21, 2020
Instrument	200938

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Document Number	0000428007
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16170 CARA LN VALLEY CENTER CA 920825008, VALLEY CENTER, CA 92082-5008

Mortgage

Document Number	0000428007
Date	Sep 27, 2019
Instrument	428007

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	16170 CARA LN, VALLEY CENTER, CA 92082-5008
Document Number	0000050407
Instrument Date	Jan 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16170 CARA LN VALLEY CENTER CA 92082, VALLEY CENTER, CA 92082

Mortgage

Document Number	0000050407
Date	Jan 31, 2017
Instrument	50407

Lender

Name	FIRST GUARANTY MTG
Type	Funding / Finance Company
Address	TYSONS CORNER, VA 22182

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$628,197 (+2%) Land $198,875 Building $429,322
2025	$6,924.00 (+4.56%) Homeowner's exemption	$615,880 (+4.04%) Land $194,976 Building $420,904
2023	$6,622.00 (+1.74%) Homeowner's exemption	$591,965 Land $187,405 Building $404,560
2022	$6,509.00

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	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

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

Wildfire Risk	Extreme above 96% of the US · above 84% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	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

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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