3221 Cristobal Way, Spring Valley, CA 91977 Property Records

San Diego County property record for 3221 Cristobal Way, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,839 sqft · built 1970
Lot Size	0.324 acres (14,100 sqft)
Owner	Individual Name on File
Tax Bill	$2,431 (2025)
Deeds & Mortgages	May 2026 Construction Loan Aug 2018 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`505-240-51-00`

Property Details

APN / Parcel Number

Primary APN	`505-240-51-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,839 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	14,100 sqft (0.324 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3221 CRISTOBAL WAY
City	SPRING VALLEY
State	CA
Zip	91977-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 242 TR 006112
Legal Subdivision	HELIX VISTA ESTATES
Legal Tract	006112
Legal Block	3
Legal Lot Number	242
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	13503

Owner

3221 Cristobal Way is owned and occupied by an individual who acquired it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3221 CRISTOBAL WAY, SPRING VALLEY, CA 91977-3106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
May 12, 2026	Grant Deed, Transfer · Construction Mortgage BLUEOX CREDIT UNION
Aug 28, 2018	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
Aug 23, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 6, 2026
Transfer Doc	0000135470
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2026
Property Address	3221 CRISTOBAL WAY, SPRING VALLEY, CA 91977-3106
Document Number	0000135470
Instrument Date	May 6, 2026
Instrument	2026135470
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 CRISTOBAL WAY, SPRING VALLEY, CA 91977-3106

Mortgage

Document Number	0000135471,
Date	May 12, 2026
Instrument	2026135471

Lender

Name	BLUEOX CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3221 CRISTOBAL WAY, SPRING VALLEY, CA 91977-3106
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000354905
Date	Aug 28, 2018
Instrument	2018-0354905

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.31%
Type Change Date	Sep 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	5%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3221 CRISTOBAL WAY, SPRING VALLEY, CA 91977-3106
Document Number	0000354906
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3221 CRISTOBAL WAY SPRING VALLEY CA 919773106, SPRING VALLEY, CA 91977-3106

Mortgage

Document Number	0000354906
Date	Aug 28, 2018
Instrument	354906

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.31%

Tax Assessment & Valuation

The 2025 property tax bill for 3221 Cristobal Way was $2,431, up 5.9% from the year before.

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		$153,591 (-80.8%) Land $61,714 Building $91,877
2025	$2,431.00 (+5.93%)	$800,000 Land $500,000 Building $300,000
2024	$2,295.00 (+3.71%)
2023	$2,213.00 (+2.36%) Homeowner's exemption	$144,734 Land $58,155 Building $86,579
2022	$2,162.00

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

Flood

FEMA maps place 3221 Cristobal 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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 3221 Cristobal 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 539 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: San Diego Broadband.

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