23663 Viejas Grade Rd, Descanso, CA 91916 Property Records

San Diego County property record for 23663 Viejas Grade Rd, Descanso, CA 91916

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,309 sqft · built 1979
Lot Size	1.81 acres (78,844 sqft)
Owner	Company Name on Record
Last Sale	$618,000 (Feb 2020)
Tax Bill	$7,406 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`405-162-18-00`

Property Details

APN / Parcel Number

Primary APN	`405-162-18-00`
Alternative APN	`4051620100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,309 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	78,844 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	4051620100
Street Address	23663 VIEJAS GRADE RD
City	DESCANSO
State	CA
Zip	91916-9817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S92
Legal Description	SEC 14-15-3E SEQ (EX RD)DOC76-66644 IN SWQ OF
Legal Range	03E
Legal Township	15
Legal Section	14
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	LAGUNA-PINE VALLEY
Census Block Group	1
Census Block	1020
Census Tract	21202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	23663 VIEJAS GRADE RD, DESCANSO, CA 91916-9817
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Nov 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO CNTY CU
May 4, 2018	Intrafamily Transfer, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2020 · Amount on Record
Deed Sale	Feb 14, 2020 · Amount on Record
Prior Sale	Apr 15, 2004 · Amount on Record
Deed Document Number	202078526
Prior Transfer Date	Apr 26, 2018
Prior Transfer Doc	0000180719
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23663 VIEJAS GRADE RD, DESCANSO, CA 91916-9817
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23663 VIEJAS GRADE RD, DESCANSO, CA 91916-9817

Mortgage

Document Number	0000669851
Date	Sep 23, 2021
Instrument	2021-0669851

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23663 VIEJAS GRADE RD, DESCANSO, CA 91916-9817
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	WESTERN RESOURCES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9561 MARILLA DR LAKESIDE CA 920402803, LAKESIDE, CA 92040-2803

Mortgage

Document Number	78527
Date	Feb 14, 2020
Instrument	78527

Lender

Name	SAN DIEGO CNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196-9040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2018
Property Address	23663 VIEJAS GRADE RD, DESCANSO, CA 91916-9817
Document Number	0000180719
Instrument Date	Apr 26, 2018
Instrument	2018-0180719
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE COMPANY OF CALIFOR

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	Living Trust
Address	23663 VIEJAS GRADE RD, DESCANSO, CA 91916-9817

Mortgage

Document Number	0000180720
Date	May 4, 2018
Instrument	2018-0180720

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	10.6%

Mortgage

Document Number	0000180721
Date	May 4, 2018
Instrument	2018-0180721

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Mountain Empire Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$689,384 (+2%) Land $130,563 Building $558,821
2025	$7,406.00 (+4.06%)	$675,867 (+4.04%) Land $128,003 Building $547,864
2023	$7,117.00 (-1.48%)	$649,625 Land $123,034 Building $526,591
2022	$7,224.00

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	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.

Wildfire

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

Wildfire Risk	Extreme above 99.7% of the US · above 98.5% of California
Wildfire Likelihood	7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	25 / 5

May also be available: T-Mobile.

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