28590 Old Ranch Dr, Valley Center, CA 92082 Property Records

San Diego County property record for 28590 Old Ranch Dr, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,615 sqft · built 1999
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Nov 2019)
Tax Bill	$9,205 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-442-04-00`

Property Details

APN / Parcel Number

Primary APN	`185-442-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,615 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	54,886 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	28590 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 6 TR 012515
Legal Subdivision	VALLEY CENTER 4682
Legal Tract	012515
Legal Block	2
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	2
Census Block	2011
Census Tract	19105

Owner

28590 Old Ranch Dr is owned and occupied by two individuals who bought it in November 2019.

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 Individual Names on File
Mailing Address	28590 OLD RANCH DR, VALLEY CENTER, CA 92082-5443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Nov 6, 2019	Affidavit of Death, Transfer LAWYERS TITLE
Nov 6, 2019	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Oct 28, 2004 · Amount on File
Deed Document Number	2019510800
Prior Transfer Date	Jun 16, 1997
Prior Transfer Doc	0000349334
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28590 OLD RANCH DR, VALLEY CENTER, CA 92082-5443
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28590 OLD RANCH DR, VALLEY CENTER, CA 92082-5443

Mortgage

Document Number	0000414428
Date	Jun 3, 2021
Instrument	2021-0414428

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 6, 2019
Property Address	28590 OLD RANCH DR, VALLEY CENTER, CA 92082-5443
Document Number	0000510799
Instrument Date	Sep 3, 2019
Instrument	510799
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	LAWYERS TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	28590 OLD RANCH DR VALLEY CENTER CA 920825443, VALLEY CENTER, CA 92082-5443

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 6, 2019
Property Address	28590 OLD RANCH DR, VALLEY CENTER, CA 92082-5443
Document Number	0000510800
Map Reference	MAP 12515
Instrument Date	Aug 27, 2019
Instrument	2019-0510800
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	28590 OLD RANCH DR, VALLEY CENTER, CA 92082-5443

Mortgage

Document Number	0000510801
Date	Nov 6, 2019
Instrument	2019-0510801

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 28590 Old Ranch Dr was $9,205 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$857,455 (+2%) Land $223,101 Building $634,354
2025	$9,205.00 Homeowner's exemption	$840,643 Land $218,727 Building $621,916
2023	$8,806.00 (+7.63%) Homeowner's exemption	$808,002 Land $210,235 Building $597,767
2022	$8,182.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 28590 Old Ranch Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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.

Wildfire

Wildfire risk around 28590 Old Ranch Dr is very high, ranking above 90% of the US, with a 1% annual chance of wildfire.

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.

Drinking Water

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

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Old Ranch Dr

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