2972 Elm Tree Ct, Spring Valley, CA 91978 Property Records

San Diego County property record for 2972 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	$485,000 (Sep 2023)
Tax Bill	$6,423 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`506-110-11-11`

Property Details

APN / Parcel Number

Primary APN	`506-110-11-11`

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	2972 ELM TREE CT
City	SPRING VALLEY
State	CA
Zip	91978-1965
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US 11PER 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

2972 Elm Tree Ct, a condominium, is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2972 ELM TREE CT, SPRING VALLEY, CA 91978-1965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 12, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 24, 2020	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 6, 2017	Grant Deed, Transfer · VA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2023 · Amount on File
Deed Sale	Sep 12, 2023 · Amount on File
Prior Sale	Nov 24, 2020 · Amount on File
Deed Document Number	2023247710
Prior Transfer Date	Feb 24, 1996
Prior Transfer Doc	0000195459
Record Updated	Oct 29, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 12, 2023
Property Address	2972 ELM TREE CT, SPRING VALLEY, CA 91978-1965
Document Number	0000247710
Map Reference	MAP 11284
Instrument Date	Aug 28, 2023
Instrument	2023-0247710
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Community Property with Right of Survivorship
Address	2972 ELM TREE CT, SPRING VALLEY, CA 91978-1965

Mortgage

Document Number	0000247711
Date	Sep 12, 2023
Instrument	2023-0247711

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 24, 2020
Property Address	2972 ELM TREE CT, SPRING VALLEY, CA 91978-1965
Document Number	0000748165
Map Reference	MAP 11284
Instrument Date	Nov 6, 2020
Instrument	2020-0748165
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL 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	Community Property
Address	1310 SANTA RITA E APT 47, 47, CHULA VISTA, CA 91913-1832

Mortgage

Document Number	0000748166
Date	Nov 24, 2020
Instrument	2020-0748166

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 6, 2017
Property Address	2972 ELM TREE CT, SPRING VALLEY, CA 91978-1965
Document Number	0000407402
Instrument Date	Aug 9, 2017
Instrument	407402
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2972 ELM TREE CT SPRING VALLEY CA 919781965, SPRING VALLEY, CA 91978-1965

Mortgage

Document Number	407403
Date	Sep 6, 2017
Instrument	407403

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37207

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2972 Elm Tree Ct was $6,423 with a homeowner's exemption.

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		$504,593 (+2%) Land $190,913 Building $313,680
2025	$6,423.00 Homeowner's exemption	$494,700 Land $187,170 Building $307,530
2023	$4,641.00 (+2.07%)	$339,169 Land $128,325 Building $210,844
2022	$4,547.00

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

Flood

FEMA maps place 2972 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 2972 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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