31028 Saddleback Rd, Valley Center, CA 92082 Property Records

San Diego County property record for 31028 Saddleback Rd, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,465 sqft · built 2004
Lot Size	2.93 acres (127,631 sqft)
Owner	Company Name on Record
Last Sale	$1,055,000 (Feb 2021)
Tax Bill	$12,791 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`133-312-12-00`

Property Details

APN / Parcel Number

Primary APN	`133-312-12-00`
Alternative APN	`1330902500`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,465 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	127,631 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Old Parcel Number	1330902500
Street Address	31028 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	SEC 29-10-1W SE 1/4 OF POR NE 1/4 OF
Legal Range	01W
Legal Township	10
Legal Section	29
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 28, 2026

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

Owner of Record	Company Name on Record
Mailing Address	31028 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Grant Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Sep 22, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2021 · Amount on Record
Deed Sale	Feb 10, 2021 · Amount on Record
Prior Sale	Sep 29, 2014 · Amount on Record
Deed Document Number	2021104819
Prior Transfer Date	Sep 15, 2017
Prior Transfer Doc	0000436410
Record Updated	Oct 29, 2026

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 10, 2021
Property Address	31028 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851
Document Number	0000104819
Instrument Date	Jan 14, 2021
Instrument	2021-0104819
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Family Trust
Address	31028 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851

Mortgage

Document Number	0000104820
Date	Feb 10, 2021
Instrument	2021-0104820

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2017
Property Address	31028 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851
Document Number	0000436410
Instrument Date	Sep 15, 2017
Instrument	2017-0436410
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	ADVANTAGE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	31028 SADDLEBACK RD, VALLEY CENTER, CA 92082-3851

Mortgage

Document Number	0000436411
Date	Sep 22, 2017
Instrument	2017-0436411

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$1,164,802 (+2%) Land $391,947 Building $772,855
2025	$12,791.00 (+4.69%) Homeowner's exemption	$1,141,963 (+4.04%) Land $384,262 Building $757,701
2023	$12,218.00 (+1.13%) Homeowner's exemption	$1,097,622 Land $369,342 Building $728,280
2022	$12,081.00

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 90% of the US · above 72% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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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