2956 Elm Tree Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2956 Elm Tree Ct, Spring Valley, CA 91978

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 700 sqft · built 1986
Lot Size	1.48 acres (64,796 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Apr 2022)
Tax Bill	$5,869 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`506-110-11-18`

Property Details

APN / Parcel Number

Primary APN	`506-110-11-18`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	700 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	2956 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 18PER 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

2956 Elm Tree Ct, a condominium, is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964
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
Apr 28, 2022	Grant Deed, Transfer · VA Mortgage PATRIOT PACIFIC FINANCIAL CORP
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Sep 21, 2018	Grant Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on File
Deed Sale	Apr 28, 2022 · Amount on File
Prior Sale	Sep 21, 2018 · Amount on File
Deed Document Number	2022186002
Prior Transfer Date	Dec 12, 2012
Prior Transfer Doc	0000820991
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 28, 2022
Property Address	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000186002
Map Reference	MAP 11284
Instrument Date	Apr 13, 2022
Instrument	2022-0186002
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, 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	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000186003
Date	Apr 28, 2022
Instrument	2022-0186003

Lender

Name	PATRIOT PACIFIC FINANCIAL CORP
Type	Non-Lending Institution

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000801529
Date	Dec 14, 2020
Instrument	2020-0801529

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000163030
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2956 ELM TREE CT SPRING VALLEY CA 919781964, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000163030
Date	Mar 30, 2020
Instrument	163030

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2018
Property Address	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000395537
Map Reference	MAP 11284
Instrument Date	Sep 5, 2018
Instrument	2018-0395537
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE COMPANY OF CALIFOR

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	2956 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000395538
Date	Sep 21, 2018
Instrument	2018-0395538

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2956 Elm Tree Ct was $5,869.

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		$449,204 (+2%) Land $183,760 Building $265,444
2025	$5,869.00	$440,397 Land $180,157 Building $260,240
2023	$5,164.00 (+50.77%)	$383,000 Land $156,000 Building $227,000
2022	$3,425.00

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

Flood

FEMA maps place 2956 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 2956 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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