24312 Central Ave, Descanso, CA 91916 Property Records

San Diego County property record for 24312 Central Ave, Descanso, CA 91916

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,184 sqft · built 1975
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$804,000 (Sep 2026)
Tax Bill	$6,198 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`405-321-19-00`

Property Details

APN / Parcel Number

Primary APN	`405-321-19-00`
Alternative APN	`4053211200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Stucco
Roof Material	Tile
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	4053211200
Street Address	24312 CENTRAL AVE
City	DESCANSO
State	CA
Zip	91916-9729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 1 LOTS 1&2 ST CLSD ADJ&S 50 FT OF LOTS 10&11&ALL OF TR 001215
Legal Subdivision	SWAINS ADD
Legal Tract	001215
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	LAGUNA-PINE VALLEY
Census Block Group	1
Census Block	1019
Census Tract	21202

Owner

Source: San Diego County records, as of September 14, 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	2 Individual Names on Record
Mailing Address	24312 CENTRAL AVE, DESCANSO, CA 91916-9729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Oct 30, 2017	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
May 30, 2017	Grant Deed, Transfer · Conventional Mortgage CHAPPELOW TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	2026258742
Prior Transfer Date	Dec 30, 2016
Prior Transfer Doc	0000719891
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2026
Property Address	24312 CENTRAL AVE, DESCANSO, CA 91916-9729
Document Number	0000258742
Instrument Date	Aug 20, 2026
Instrument	2026258742
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,324.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	24312 CENTRAL AVE, DESCANSO, CA 91916-9729

Mortgage

Document Number	0000258743,
Date	Sep 2, 2026
Instrument	2026258743

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2017
Property Address	24312 CENTRAL AVE, DESCANSO, CA 91916-9729
Document Number	0000505154
Instrument Date	Sep 26, 2017
Instrument	505154
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	24312 CENTRAL AVE DESCANSO CA 91916, DESCANSO, CA 91916

Mortgage

Document Number	505155
Date	Oct 30, 2017
Instrument	505155

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 30, 2017
Property Address	24312 CENTRAL AVE, DESCANSO, CA 91916-9729
Document Number	0000239406
Instrument Date	Apr 27, 2017
Instrument	239406
Transaction Type	Transfer
Record Updated	Jun 6, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24312 CENTRAL AVE DESCANSO CA 91916, DESCANSO, CA 91916

Mortgage

Document Number	239407
Date	May 30, 2017
Instrument	239407

Lender

Name	CHAPPELOW TRUST (PT)
Address	PO BOX 327, DESCANSO, CA 91916-0327

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$583,187 (+2%) Land $232,114 Building $351,073
2025	$6,198.00 (+2.09%) Homeowner's exemption	$571,753 (+4.04%) Land $227,563 Building $344,190
2024	$6,071.00 (+1.97%)
2023	$5,954.00 (-1.46%) Homeowner's exemption	$549,553 Land $218,727 Building $330,826
2022	$6,042.00

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 98.1% of California
Wildfire Likelihood	7% 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	DESCANSO COMMUNITY WATER DISTRICT serves 870 people · EPA ID CA3710009
Water Source	Groundwater
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Uranium not recorded as resolved · Oct 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	75 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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