2948 Elm Tree Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2948 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 Trust Names on File
Last Sale	$330,000 (May 2020)
Tax Bill	$4,938 (2025)
Deeds & Mortgages	Dec 2025 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`506-110-11-25`

Property Details

APN / Parcel Number

Primary APN	`506-110-11-25`

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	2948 ELM TREE CT
City	SPRING VALLEY
State	CA
Zip	91978-1964
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US 25PER DOC85-287020&373586&UND INT IN TR 011284
Legal Subdivision	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

2948 Elm Tree Ct, a condominium, is held in a trust since May 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	2171 REBECCA WAY, 1415, LEMON GROVE, CA 91945-3340
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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 23, 2025	Intrafamily Transfer, Transfer
Apr 13, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 1, 2020	Grant Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on File
Deed Sale	May 1, 2020 · Amount on File
Prior Sale	Feb 18, 2009 · Amount on File
Deed Document Number	2020221770
Prior Transfer Date	Nov 9, 2004
Prior Transfer Doc	0001105965
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 23, 2025
Property Address	2948 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000362311
Map Reference	MAP 11294
Instrument Date	Dec 1, 2025
Instrument	2025-0362311
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2171 REBECCA WAY # 1415, 1415, LEMON GROVE, CA 91945-3340

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2171 REBECCA WAY # 1415, 1415, LEMON GROVE, CA 91945-3340

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2948 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2948 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000286161
Date	Apr 13, 2021
Instrument	2021-0286161

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2020
Property Address	2948 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000221770
Map Reference	MAP 11294
Instrument Date	Apr 7, 2020
Instrument	2020-0221770
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATL 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
Address	2948 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000221771
Date	May 1, 2020
Instrument	2020-0221771

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2948 Elm Tree Ct was $4,938.

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		$368,114 (+2%) Land $143,790 Building $224,324
2025	$4,938.00	$360,897 Land $140,971 Building $219,926
2023	$4,733.00 (+2.05%)	$346,885 Land $135,498 Building $211,387
2022	$4,638.00

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

Flood

FEMA maps place 2948 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 2948 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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