2528 Valley Waters Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2528 Valley Waters Ct, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,733 sqft · built 2000
Lot Size	0.118 acres (5,129 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,150 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`580-230-57-00`

Property Details

APN / Parcel Number

Primary APN	`580-230-57-00`
Alternative APNs	`5802302600` `5802304900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,733 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	5,129 sqft (0.118 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	5802304900
Street Address	2528 VALLEY WATERS CT
City	SPRING VALLEY
State	CA
Zip	91978-2001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 26 PAR E PER DOC00-399943 IN LOTS 25& TR 013863
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013863
Legal Block	3
Legal Lot Number	26,25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3003
Census Tract	13506

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	2 Individual Names on Record
Mailing Address	2528 VALLEY WATERS CT, SPRING VALLEY, CA 91978-2001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FUNDLOANS CAPITAL
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2528 VALLEY WATERS CT, SPRING VALLEY, CA 91978-2001
Transaction Type	Mortgage
Record Updated	Mar 22, 2024
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 VALLEY WATERS CT, SPRING VALLEY, CA 91978-2001

Mortgage

Document Number	0000062241
Date	Mar 13, 2024
Instrument	2024-0062241

Lender

Name	FUNDLOANS CAPITAL
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2528 VALLEY WATERS CT, SPRING VALLEY, CA 91978-2001
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 VALLEY WATERS CT, SPRING VALLEY, CA 91978-2001

Mortgage

Document Number	0000571274
Date	Aug 11, 2021
Instrument	2021-0571274

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2528 VALLEY WATERS CT, SPRING VALLEY, CA 91978-2001
Document Number	0000179804
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	UTOPIAN GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2528 VALLEY WATERS CT SPRING VALLEY CA 919782001, SPRING VALLEY, CA 91978-2001

Mortgage

Document Number	0000179804
Date	May 4, 2018
Instrument	179804

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	RIVERSIDE, CA 92517

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
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		$473,978 (+2%) Land $169,056 Building $304,922
2025	$6,150.00 (+7.25%) Homeowner's exemption	$464,686 (+4.04%) Land $165,742 Building $298,944
2023	$5,734.00 (+1.61%) Homeowner's exemption	$446,644 Land $159,307 Building $287,337
2022	$5,643.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 61% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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