2906 Elm Tree Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2906 Elm Tree Ct, Spring Valley, CA 91978

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,059 sqft · built 1986
Lot Size	1.48 acres (64,796 sqft)
Owner	Individual Name on File
Last Sale	$491,000 (Feb 2023)
Tax Bill	$6,694 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`506-110-11-46`

Property Details

APN / Parcel Number

Primary APN	`506-110-11-46`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,059 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	64,796 sqft
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2906 ELM TREE CT
City	SPRING VALLEY
State	CA
Zip	91978-1963
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US 46PER DOC85-287020&373586&UND INT IN TR 011284
Legal Subdivision	COUNTY/SAN DIEGO 4398-1
Legal Tract	011284
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	13505

Owner

2906 Elm Tree Ct, a condominium, is owned and occupied by an individual who bought it in February 2023.

Source: San Diego County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage CHOICE LENDING CORP
Feb 22, 2023	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 11, 2020	Correction Deed FIRST AMERICAN TITLE
Mar 16, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO
Mar 16, 2020	Grant Deed, Transfer · VA Mortgage WEST COAST FUNDING & REAL ESTATE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2023 · Amount on File
Deed Sale	Feb 22, 2023 · Amount on File
Prior Sale	Mar 16, 2020 · Amount on File
Deed Document Number	202345757
Prior Transfer Date	Jul 10, 1995
Prior Transfer Doc	0000327630
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Investor	Possibly a Property Investor

Mortgage

Document Number	0000797804
Date	Dec 11, 2020
Instrument	2020-0797804

Lender

Name	CHOICE LENDING CORP
Type	Mortgage Company
Address	VICTORVILLE, CA 92395

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2023
Property Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000045757
Map Reference	MAP 11284
Instrument Date	Feb 3, 2023
Instrument	2023-0045757
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	NOT AVAILABLE, SOCAL TITLE COMPANY

Transaction

Amount	Amount 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
Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963

Mortgage

Document Number	0000045758
Date	Feb 22, 2023
Instrument	2023-0045758

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2020
Property Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000797803
Instrument Date	Mar 16, 2020
Instrument	797803
Record Updated	Dec 21, 2020
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2906 ELM TREE CT SPRING VALLEY CA 919781963, SPRING VALLEY, CA 91978-1963

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 16, 2020
Property Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000134208
Instrument Date	Mar 12, 2020
Instrument	134208
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2906 ELM TREE CT SPRING VALLEY CA 919781963, SPRING VALLEY, CA 91978-1963

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 16, 2020
Property Address	2906 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000134209
Instrument Date	Mar 6, 2020
Instrument	134209
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2906 ELM TREE CT SPRING VALLEY CA 919781963, SPRING VALLEY, CA 91978-1963

Mortgage

Document Number	134210
Date	Mar 16, 2020
Instrument	134210

Lender

Name	WEST COAST FUNDING & REAL ESTATE SVCS
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2906 Elm Tree Ct was $6,694.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Cajon Valley Union Elementary School District (KG - 08)
Secondary School District	Grossmont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$521,049 (+2%) Land $289,472 Building $231,577
2025	$6,694.00	$510,834 Land $283,797 Building $227,037
2023	$5,110.00 (+2.02%)	$378,422 Land $210,235 Building $168,187
2022	$5,009.00

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

Flood

FEMA maps place 2906 Elm Tree Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2906 Elm Tree Ct is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) 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 863 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Verizon.

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