San Diego County property record for 28574 Old Ranch Dr, Valley Center, CA 92082
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,654 sqft · built 1996 |
| Lot Size | 1.06 acres (46,609 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $440,000 (Aug 2012) |
| Tax Bill | $6,041 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 185-442-03-00 |
| Primary APN | 185-442-03-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,654 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 46,609 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 28574 OLD RANCH DR |
|---|---|
| City | VALLEY CENTER |
| State | CA |
| Zip | 92082-5443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | LOT 5 TR 012515 |
| Legal Subdivision | SAN DIEGO 4682 |
| Legal Tract | 012515 |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | VALLEY CENTER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 19105 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 28574 OLD RANCH DR, VALLEY CENTER, CA 92082-5443 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Oct 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2012 · Amount on Record |
| Deed Sale | Aug 10, 2012 · Amount on Record |
| Prior Sale | Mar 15, 2012 · Amount on Record |
| Deed Document Number | 2012476887 |
| Last Transfer Date | Feb 5, 2025 |
| Transfer Doc | 0000043403 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 28574 OLD RANCH DR, VALLEY CENTER, CA 92082-5443 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 28574 OLD RANCH DR, VALLEY CENTER, CA 92082-5443 |
| Document Number | 0000291964 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 2023-0291964 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 20, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 28574 OLD RANCH DR, VALLEY CENTER, CA 92082-5443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 28574 OLD RANCH DR, VALLEY CENTER, CA 92082-5443 |
| Document Number | 0000657102 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 2020-0657102 |
| Name | RESIDENTIAL WHOLESALE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92130 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $552,650 (+2%) Land $231,163 Building $321,487 | |
| 2025 | $6,041.00 (+4.68%) | $541,815 (+4.04%) Land $226,631 Building $315,184 |
| 2023 | $5,771.00 (+1.8%) Homeowner's exemption | $520,778 Land $217,832 Building $302,946 |
| 2022 | $5,669.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2019 · Severe Storms 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 | Very High above 90% of the US · above 73% of California |
|---|---|
| Wildfire Likelihood | 1% 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.
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 136 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 |
5G (outdoors only) and 4G LTE
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