3185 Rio Way, Spring Valley, CA 91977 Property Records

San Diego County property record for 3185 Rio Way, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,442 sqft · built 1990
Lot Size	0.266 acres (11,606 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Nov 2011)
Tax Bill	$9,131 (2025)
Deeds & Mortgages	Nov 2020 Transfer Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`504-380-05-00`

Property Details

APN / Parcel Number

Primary APN	`504-380-05-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,442 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	11,606 sqft (0.266 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3185 RIO WAY
City	SPRING VALLEY
State	CA
Zip	91977-2861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 5 TR 012255
Legal Subdivision	SAN DIEGO #4598
Legal Tract	012255
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	13702

Owner

3185 Rio Way is owned by an individual who acquired it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3195 RIO WAY, SPRING VALLEY, CA 91977-2861
Owner Type	Individual
Vesting	Sole Owner

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 9, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO
Nov 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORLD WIDE CREDIT
Dec 6, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2011 · Amount on File
Deed Sale	Nov 16, 2011 · Amount on File
Prior Sale	Aug 18, 2004 · Amount on File
Deed Document Number	2011613939
Last Transfer Date	Nov 6, 2020
Transfer Doc	0000700800
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2020
Property Address	3185 RIO WAY, SPRING VALLEY, CA 91977-2861
Document Number	0000700800
Instrument Date	Nov 6, 2020
Instrument	700800
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3195 RIO WAY SPRING VALLEY CA 91977, SPRING VALLEY, CA 91977

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2020
Property Address	3185 RIO WAY, SPRING VALLEY, CA 91977-2861
Document Number	0000700801
Map Reference	MAP 12255
Instrument Date	Oct 27, 2020
Instrument	2020-0700801
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3195 RIO WAY, SPRING VALLEY, CA 91977-2861

Mortgage

Document Number	0000700802
Date	Nov 9, 2020
Instrument	2020-0700802

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3185 RIO WAY, SPRING VALLEY, CA 91977-2861
Document Number	0000314855
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3185 RIO WAY SPRING VALLEY CA 919772861, SPRING VALLEY, CA 91977-2861

Mortgage

Document Number	0000314855
Date	Jul 31, 2019
Instrument	314855

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2018
Property Address	3185 RIO WAY, SPRING VALLEY, CA 91977-2861
Document Number	0000502059
Instrument Date	Dec 5, 2018
Instrument	502059
Transaction Type	Transfer
Record Updated	Dec 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3185 RIO WAY SPRING VALLEY CA 919772861, SPRING VALLEY, CA 91977-2861

Tax Assessment & Valuation

The 2025 property tax bill for 3185 Rio Way was $9,131.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$725,124 (+2%) Land $336,283 Building $388,841
2025	$9,131.00	$710,907 Land $329,690 Building $381,217
2023	$8,558.00 (+1.45%)	$683,304 Land $316,889 Building $366,415
2022	$8,436.00

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

Flood

FEMA maps place 3185 Rio Way in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 11 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	30 units insured incl. 19 condo units

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

Wildfire risk around 3185 Rio Way is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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