2028 Terraspiro Ave, Spring Valley, CA 91977 Property Records

San Diego County property record for 2028 Terraspiro Ave, Spring Valley, CA 91977

Property Summary

Property Type	Duplex
Details	2 bd · 1.5 ba · 968 sqft · built 1973
Lot Size	0.145 acres (6,334 sqft)
Owner	Individual Name on File
Last Sale	$499,000 (Sep 2022)
Tax Bill	$6,780 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`578-031-15-01`

Property Details

APN / Parcel Number

Primary APN	`578-031-15-01`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	968 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Duplex Single
Lot Area	6,334 sqft (0.145 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2028 TERRASPIRO AVE
City	SPRING VALLEY
State	CA
Zip	91977-3551
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RV
Legal Description	LOT 16 US Y DOCS72-97978&281089&INT IN LOT 12&IN TR 007180
Legal Subdivision	TERRA II
Legal Tract	007180
Legal Block	3
Legal Lot Number	16,12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	13906

Owner

2028 Terraspiro Ave, a duplex, is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551
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
Sep 16, 2022	Grant Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jun 7, 2021	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Jun 14, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Jun 26, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Prior Sale	Jun 26, 2018 · Amount on File
Deed Document Number	2022367468
Prior Transfer Date	May 18, 2006
Prior Transfer Doc	0000411231
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2022
Property Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551
Document Number	0000367468
Map Reference	MAP 7180
Instrument Date	Aug 30, 2022
Instrument	2022-0367468
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY SD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551

Mortgage

Document Number	0000367469
Date	Sep 16, 2022
Instrument	2022-0367469

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551

Mortgage

Document Number	0000418779
Date	Jun 7, 2021
Instrument	2021-0418779

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2018
Property Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551
Document Number	0000242423
Instrument Date	Jun 14, 2018
Instrument	242423
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 26, 2018
Property Address	2028 TERRASPIRO AVE, SPRING VALLEY, CA 91977-3551
Document Number	0000259841
Instrument Date	Jun 9, 2018
Instrument	259841
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 TERRASPIRO AVE SPRING VALLEY CA 919773551, SPRING VALLEY, CA 91977-3551

Mortgage

Document Number	259842
Date	Jun 26, 2018
Instrument	259842

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2028 Terraspiro Ave was $6,780 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$529,541 (+2%) Land $371,422 Building $158,119
2025	$6,780.00 Homeowner's exemption	$519,159 Land $364,140 Building $155,019
2023	$6,330.00 (+37.94%) Homeowner's exemption	$499,000 Land $350,000 Building $149,000
2022	$4,589.00

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

Flood

FEMA maps place 2028 Terraspiro Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

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

The area around 2028 Terraspiro Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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