2960 Elm Tree Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2960 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	$408,000 (Nov 2025)
Tax Bill	$5,143 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`506-110-11-16`

Property Details

APN / Parcel Number

Primary APN	`506-110-11-16`

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	2960 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 16PER 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

2960 Elm Tree Ct, a condominium, is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Nov 10, 2025	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 13, 2023	Grant Deed, Transfer · FHA Mortgage AXIA FINANCIAL LLC
Sep 30, 2021	Grant Deed, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Oct 10, 2018	Grant Deed, Transfer LAWYERS TITLE
Oct 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage VETERANS ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on File
Deed Sale	Nov 10, 2025 · Amount on File
Prior Sale	Nov 13, 2023 · Amount on File
Deed Document Number	2025317128
Record Updated	Oct 29, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 10, 2025
Property Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000317128
Map Reference	MAP 11284
Instrument Date	Sep 10, 2025
Instrument	2025-0317128
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	FIRST AMERICAN 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
Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000317129
Date	Nov 10, 2025
Instrument	2025-0317129

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2023
Property Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000315124
Map Reference	MAP 11284
Instrument Date	Oct 26, 2023
Instrument	2023-0315124
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000315125
Date	Nov 13, 2023
Instrument	2023-0315125

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 30, 2021
Property Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000686762
Map Reference	MAP 11284
Instrument Date	Aug 30, 2021
Instrument	2021-0686762
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964

Mortgage

Document Number	0000686763
Date	Sep 30, 2021
Instrument	2021-0686763

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 10, 2018
Property Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000421664
Instrument Date	Oct 5, 2018
Instrument	421664
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$261.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2960 ELM TREE CT, SPRING VALLEY, CA 91978-1964
Document Number	0000421666
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421666
Date	Oct 10, 2018
Instrument	421666

Lender

Name	VETERANS ADMN
Address	SACRAMENTO, CA 95814

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2960 Elm Tree Ct was $5,143.

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		$408,000 (+7.82%) Land $154,133 Building $253,867
2025	$5,143.00	$378,419 Land $142,958 Building $235,461
2023	$3,637.00 (+2.16%)	$255,181 Land $96,401 Building $158,780
2022	$3,560.00

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

Flood

FEMA maps place 2960 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 2960 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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