31014 Saddleback Rd, Valley Center, CA 92082 Property Records

San Diego County property record for 31014 Saddleback Rd, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,520 sqft · built 1980
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,500 (Jul 2021)
Tax Bill	$9,755 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`133-312-28-00`

Property Details

APN / Parcel Number

Primary APN	`133-312-28-00`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Building Area	3,520 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	108,900 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	31014 SADDLEBACK RD
City	VALLEY CENTER
State	CA
Zip	92082-3851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 TR PM02822
Legal Subdivision	PARCEL MAP NO 2822
Legal Tract	2822
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	3
Census Block	3014
Census Tract	19110

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	31014 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Grant Deed, Transfer · VA Mortgage NAVY FCU
Sep 9, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Jul 29, 1997 · Amount on Record
Deed Document Number	2021510829
Prior Transfer Date	Sep 3, 1999
Prior Transfer Doc	0000505871
Record Updated	Sep 20, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 16, 2021
Property Address	31014 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851
Document Number	0000510829
Map Reference	FILE 74-181089
Instrument Date	May 24, 2021
Instrument	2021-0510829
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

Transaction

Amount	Amount Recorded
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	31014 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851

Mortgage

Document Number	0000510830
Date	Jul 16, 2021
Instrument	2021-0510830

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	31014 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851
Document Number	0000440271
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31014 SADDLEBACK RD VALLEY CENTER CA 920823851, VALLEY CENTER, CA 92082-3851

Mortgage

Document Number	0000440271
Date	Oct 3, 2019
Instrument	440271

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 2, 2059

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$865,944 (+2%) Land $303,080 Building $562,864
2025	$9,755.00 (+4.69%)	$848,966 (+4.04%) Land $297,138 Building $551,828
2023	$9,318.00 (+1.84%)	$816,000 Land $285,600 Building $530,400
2022	$9,150.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 92% of the US · above 75% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	VALLEY CENTER MWD serves 30,166 people · EPA ID CA3710026
Water Source	Purchased surface water from SAN DIEGO COUNTY WATER AUTHORITY
Last State Inspection	Apr 2021
Lead	4 ppb (2020–2022) 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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