San Diego County property record for 28357 Cole Grade Rd, Valley Center, CA 92082
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,716 sqft · built 1974 |
| Lot Size | 3.25 acres (141,570 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,500,000 (Nov 2021) |
| Tax Bill | $17,280 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-013-19-00 |
| Primary APN | 189-013-19-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Gravel |
| Lot Area | 141,570 sqft |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Radiant |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Old Parcel Number | 1890110500 |
|---|---|
| Street Address | 28357 COLE GRADE RD |
| City | VALLEY CENTER |
| State | CA |
| Zip | 92082-6570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | M54 |
| Legal Description | SEC 18-11-1W N 1/2 OF PAR 15 AS PER ROS 4577 IN N 1/2 OF |
| Legal Range | 01W |
| Legal Township | 11 |
| Legal Section | 18 |
| Legal Subdivision | SURVEY MAP NO 4577 |
| Legal Block | 2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | VALLEY CENTER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 19111 |
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 | 28357 COLE GRADE RD, VALLEY CENTER, CA 92082-6570 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · SBA Mortgage BUSINESS FINANCE CAPITAL |
| Nov 16, 2021 | Grant Deed, Transfer · Commercial Mortgage ENTERPRISE BANK & TRUST |
| Apr 10, 2020 | Deed of Trust, Mortgage QILI Y SIMPSON |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2021 · Amount on Record |
| Deed Sale | Nov 16, 2021 · Amount on Record |
| Prior Sale | Oct 26, 2012 · Amount on Record |
| Deed Document Number | 2021790086 |
| Prior Transfer Date | Feb 24, 2004 |
| Prior Transfer Doc | 0000159784 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 28357 COLE GRADE RD, VALLEY CENTER, CA 92082-6570 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 28357 COLE GRADE RD, VALLEY CENTER, CA 92082-6570 |
| Document Number | 0000790093 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 2021-0790093 |
| Name | BUSINESS FINANCE CAPITAL |
|---|---|
| Type | Lending Institution |
| Address | LOS ANGELES, CA 90017 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 16, 2021 |
| Property Address | 28357 COLE GRADE RD, VALLEY CENTER, CA 92082-6570 |
| Document Number | 0000790086 |
| Map Reference | MAP 4577 |
| Instrument Date | Nov 8, 2021 |
| Instrument | 2021-0790086 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28357 COLE GRADE RD, VALLEY CENTER, CA 92082-6570 |
| Document Number | 0000790087 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 2021-0790087 |
| Name | ENTERPRISE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0000790090 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 2021-0790090 |
| Name | ENTERPRISE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | CERRITOS, CA 90703 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 28357 COLE GRADE RD, VALLEY CENTER, CA 92082-6570 |
| Document Number | 0000223094 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 28357 COLE GRADE RD VALLEY CENTER CA 920826570, VALLEY CENTER, CA 92082-6570 |
| Document Number | 0000223094 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 223094 |
| Name | QILI Y SIMPSON |
|---|---|
| Address | 7691 ILUMINADO, SAN DIEGO, CA 92127-3802 |
| Amount | Amount Recorded |
|---|
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Valley Center-Pauma Unified School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,623,646 (+2%) Land $595,337 Building $1,028,309 | |
| 2025 | $17,280.00 (+2.12%) | $1,591,811 (+4.04%) Land $583,664 Building $1,008,147 |
| 2024 | $16,922.00 (+2.23%) | |
| 2023 | $16,553.00 (+1.59%) | $1,530,000 Land $561,000 Building $969,000 |
| 2022 | $16,294.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 | 2 (2020–2023) |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 68% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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