28744 Stonegate Dr, #46, Valley Center, CA 92082 Property Records

San Diego County property record for 28744 Stonegate Dr, #46, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,403 sqft · built 1987
Lot Size	2.88 acres (125,888 sqft)
Owner	Company Name on File
Last Sale	$215,000 (Mar 1997)
Tax Bill	$6,767 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-381-17-00`

Property Details

APN / Parcel Number

Primary APN	`185-381-17-00`
Alternative APN	`1851213700`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Building Area	3,403 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	125,888 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	1851213700
Street Address	28744 STONEGATE DR, 46
City	VALLEY CENTER
State	CA
Zip	92082-5733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM09549
Legal Subdivision	PARCEL MAP NO 9549
Legal Tract	9549
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	2
Census Block	2011
Census Tract	19105

Owner

28744 Stonegate Dr, #46 is owned by a company that acquired it in August 2022 and is owner-occupied.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	28744 STONEGATE DR, VALLEY CENTER, CA 92082-5733
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 18, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 1997 · Amount on File
Deed Sale	Mar 7, 1997 · Amount on File
Prior Sale	Mar 22, 1990 · Amount on File
Deed Document Number	1997100788
Last Transfer Date	Aug 24, 2022
Transfer Doc	0000346814
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2022
Property Address	28744 STONEGATE DR # 46, 46, VALLEY CENTER, CA 92082-5733
Document Number	0000346814
Instrument Date	Aug 24, 2022
Instrument	2022-0346814
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FNC TITLE OF CALIFORNIA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28744 STONEGATE DR, VALLEY CENTER, CA 92082-5733

Mortgage

Document Number	0000346815
Date	Aug 30, 2022
Instrument	2022-0346815

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	748 Months
Due	Dec 8, 2084

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28744 STONEGATE DR # 46, 46, VALLEY CENTER, CA 92082-5733
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28744 STONEGATE DR, VALLEY CENTER, CA 92082-5733

Mortgage

Document Number	0000668446
Date	Sep 22, 2021
Instrument	2021-0668446

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	341 Months
Due	Feb 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28744 STONEGATE DR # 46, 46, VALLEY CENTER, CA 92082-5733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425525
Date	Sep 18, 2017
Instrument	2017-0425525

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28744 STONEGATE DR # 46, 46, VALLEY CENTER, CA 92082-5733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043515
Date	Jan 28, 2020
Instrument	2020-0043515

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 28744 Stonegate Dr, #46 was $6,767 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		$583,593 (+2%) Land $157,804 Building $425,789
2025	$6,767.00 Homeowner's exemption	$572,151 Land $154,710 Building $417,441
2023	$6,442.00 (+1.99%) Homeowner's exemption	$549,935 Land $148,703 Building $401,232
2022	$6,316.00

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

Flood

FEMA maps place 28744 Stonegate Dr, #46 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 28744 Stonegate Dr, #46 is high, ranking above 89% 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	High above 89% of the US · above 71% 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.

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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