San Diego County property record for 32251 Cole Grade Rd, Valley Center, CA 92082
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,334 sqft · built 1978 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Jul 2021) |
| Tax Bill | $9,331 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 132-320-58-00 |
| Primary APN | 132-320-58-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,334 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 108,900 sqft |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 6 Parking Spaces |
| Street Address | 32251 COLE GRADE RD |
|---|---|
| City | VALLEY CENTER |
| State | CA |
| Zip | 92082-4517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | SEC 19-10-1W NEQ DOC76-412869 IN N H OF |
| Legal Range | 01W |
| Legal Township | 10 |
| Legal Section | 19 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | VALLEY CENTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 19110 |
32251 Cole Grade Rd is owned and occupied by two individuals who bought it in July 2021.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32251 COLE GRADE RD, VALLEY CENTER, CA 92082-4517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHWEST AIRLINES FCU |
| Jul 30, 2021 | Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on File |
| Deed Sale | Jul 30, 2021 · Amount on File |
| Prior Sale | Oct 23, 2015 · Amount on File |
| Deed Document Number | 2021545866 |
| Prior Transfer Date | Oct 11, 2013 |
| Prior Transfer Doc | 0000626674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 32251 COLE GRADE RD, VALLEY CENTER, CA 92082-4517 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 32251 COLE GRADE RD, VALLEY CENTER, CA 92082-4517 |
| Document Number | 0000276165 |
|---|---|
| Date | Oct 3, 2025 |
| Instrument | 2025-0276165 |
| Name | SOUTHWEST AIRLINES FCU |
|---|---|
| Type | Credit Union |
| Address | DALLAS, TX 75235 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 30, 2021 |
| Property Address | 32251 COLE GRADE RD, VALLEY CENTER, CA 92082-4517 |
| Document Number | 0000545866 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 2021-0545866 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TTL CO OF CA SD BRANCH |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 32251 COLE GRADE RD, VALLEY CENTER, CA 92082-4517 |
| Document Number | 0000545867 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021-0545867 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 32251 Cole Grade Rd was $9,331 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Valley Center-Pauma Unified School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $865,942 (+2%) Land $306,011 Building $559,931 | |
| 2025 | $9,331.00 Homeowner's exemption | $848,963 Land $300,011 Building $548,952 |
| 2023 | $8,927.00 (+1.69%) Homeowner's exemption | $815,999 Land $288,362 Building $527,637 |
| 2022 | $8,779.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 32251 Cole Grade Rd 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 | 3 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 risk around 32251 Cole Grade Rd is high, ranking above 87% of the US, with a 0.9% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 69% of California |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| San Diego Broadband Fixed Wireless | 500 / 100 |
| AT&T DSL | 50 / 10 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Mediacom Xtream.
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