2914 Elm Tree Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2914 Elm Tree Ct, Spring Valley, CA 91978

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 916 sqft · built 1986
Lot Size	1.48 acres (64,796 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Dec 2025)
Tax Bill	$6,379 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`506-110-11-38`

Property Details

APN / Parcel Number

Primary APN	`506-110-11-38`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	916 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Lot Area	64,796 sqft

Location & Zoning

Street Address	2914 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 38PER DOC85-287020&373586&UND INT IN TR 011284
Legal Subdivision	SPRING VALLEY 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

2914 Elm Tree Ct, a condominium, is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Dec 16, 2025	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jul 14, 2022	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 30, 2020	Grant Deed, Transfer · VA Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on File
Deed Sale	Dec 16, 2025 · Amount on File
Prior Sale	Jul 14, 2022 · Amount on File
Deed Document Number	2025353390
Prior Transfer Date	Mar 17, 2005
Prior Transfer Doc	0000261680
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963

Mortgage

Document Number	0000721048
Date	Oct 18, 2021
Instrument	2021-0721048

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 16, 2025
Property Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000353390
Map Reference	MAP 11284
Instrument Date	Dec 1, 2025
Instrument	2025-0353390
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	Joint Tenants
Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963

Mortgage

Document Number	0000353391
Date	Dec 16, 2025
Instrument	2025-0353391

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2022
Property Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000288629
Map Reference	MAP 11284
Instrument Date	Jul 8, 2022
Instrument	2022-0288629
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

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
Relationship	Joint Tenants
Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963

Mortgage

Document Number	0000288630
Date	Jul 14, 2022
Instrument	2022-0288630

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2020
Property Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963
Document Number	0000221499
Map Reference	MAP 11284
Instrument Date	Feb 23, 2020
Instrument	2020-0221499
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

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
Relationship	Joint Tenants
Address	2914 ELM TREE CT, SPRING VALLEY, CA 91978-1963

Mortgage

Document Number	0000221500
Date	Apr 30, 2020
Instrument	2020-0221500

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2914 Elm Tree Ct was $6,379.

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		$490,000 (+1.24%) Land $305,744 Building $184,256
2025	$6,379.00	$484,000 Land $302,000 Building $182,000
2023	$5,893.00 (+31.19%)	$444,000 Land $278,000 Building $166,000
2022	$4,492.00

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

Flood

FEMA maps place 2914 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 2914 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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