3194 Fair Oaks Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 3194 Fair Oaks Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,912 sqft · built 1985
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (Sep 2020)
Tax Bill	$6,993 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`596-220-18-00`

Property Details

APN / Parcel Number

Primary APN	`596-220-18-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,912 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	26,136 sqft (0.6 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	3194 FAIR OAKS DR
City	SPRING VALLEY
State	CA
Zip	91978-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 9 /EXC WLY 132.62 FT/ NLY 130.53 FT MA E & W LIS IN TR 001508
Legal Subdivision	FAIR OAKS
Legal Tract	001508
Legal Block	2
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	JAMUL
Census Block Group	2
Census Block	2009
Census Tract	21305

Owner

3194 Fair Oaks Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage · Commercial Mortgage NAVY FCU
Jul 20, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2020	Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Prior Sale	Aug 27, 1996 · Amount on File
Deed Document Number	2020583071
Prior Transfer Date	Oct 20, 1994
Prior Transfer Doc	0000631221
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307

Mortgage

Document Number	0000071072
Date	Feb 16, 2022
Instrument	2022-0071072

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307

Mortgage

Document Number	0000517428
Date	Jul 20, 2021
Instrument	2021-0517428

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 1, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 29, 2020
Property Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307
Document Number	0000583071
Map Reference	MAP 1508
Instrument Date	Sep 21, 2020
Instrument	2020-0583071
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS 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	Community Property with Right of Survivorship
Address	3194 FAIR OAKS DR, SPRING VALLEY, CA 91978-2307

Mortgage

Document Number	0000583072
Date	Sep 29, 2020
Instrument	2020-0583072

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3194 Fair Oaks Dr was $6,993 with a veteran'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		$783,894 (+2%) Land $452,671 Building $331,223
2025	$6,993.00	$768,525 Land $443,796 Building $324,729
2023	$6,943.00 (+0.17%)	$738,684 Land $426,564 Building $312,120
2022	$6,931.00

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

Flood

FEMA maps place 3194 Fair Oaks Dr 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 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

Wildfire risk around 3194 Fair Oaks Dr is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 58% of California
Wildfire Likelihood	0.5% 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	Sycuan tribal government · serves 12,350 people · EPA ID 090605024
Water Source	Purchased surface water from PADRE DAM MWD
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	3 ppb (2025) action level 15 ppb
Copper	1.53 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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