28793 Stonegate Dr, Valley Center, CA 92082 Property Records

San Diego County property record for 28793 Stonegate Dr, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,438 sqft · built 1986
Lot Size	2.26 acres (98,446 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,140,000 (Oct 2025)
Tax Bill	$8,618 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`185-381-11-00`

Property Details

APN / Parcel Number

Primary APN	`185-381-11-00`
Alternative APN	`1851215800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,438 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	98,446 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1851215800
Street Address	28793 STONEGATE DR
City	VALLEY CENTER
State	CA
Zip	92082-5734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 TR PM10483
Legal Subdivision	PARCEL MAP NO 10483
Legal Tract	10483
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	2
Census Block	2011
Census Tract	19105

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	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PAVIA FINANCIAL SERVICES INC
May 12, 2023	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Oct 30, 2025	Grant Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 10, 2018	Grant Deed, Transfer · Conventional Mortgage PROVIDENT SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Sep 10, 2018 · Amount on Record
Deed Document Number	2025305590
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734

Mortgage

Document Number	0000180214
Date	Mar 8, 2021
Instrument	2021-0180214

Lender

Name	PAVIA FINANCIAL SERVICES INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92127

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	WESTERN RESOURCES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734

Mortgage

Document Number	0000124451
Date	May 12, 2023
Instrument	2023-0124451

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2025
Property Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734
Document Number	0000305590
Instrument Date	Oct 15, 2025
Instrument	2025-0305590
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734

Mortgage

Document Number	0000305591
Date	Oct 30, 2025
Instrument	2025-0305591

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403585
Date	Sep 16, 2019
Instrument	2019-0403585

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2018
Property Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734
Document Number	0000374166
Instrument Date	Sep 6, 2018
Instrument	2018-0374166
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	28793 STONEGATE DR, VALLEY CENTER, CA 92082-5734

Mortgage

Document Number	0000374167
Date	Sep 10, 2018
Instrument	2018-0374167

Lender

Name	PROVIDENT SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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		$1,140,000 (+47.04%) Land $542,859 Building $597,141
2025	$8,618.00 (+4.5%)	$775,278 (+4.04%) Land $369,181 Building $406,097
2023	$8,247.00 (+1.69%)	$745,176 Land $354,847 Building $390,329
2022	$8,110.00

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 · 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

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

Wildfire Risk	Very High above 91% of the US · above 75% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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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