32292 Duncan Ter, Valley Center, CA 92082 Property Records

San Diego County property record for 32292 Duncan Ter, Valley Center, CA 92082

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,863 sqft · built 1979
Lot Size	4.25 acres (185,130 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Nov 2017)
Tax Bill	$9,199 (2025)
Deeds & Mortgages	May 2024 Construction Loan May 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`130-150-39-00`

Property Details

APN / Parcel Number

Primary APN	`130-150-39-00`
Alternative APN	`1301503700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,863 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	185,130 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1301503700
Street Address	32292 DUNCAN TER
City	VALLEY CENTER
State	CA
Zip	92082-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 PAR A OF DOC07-698779 IN PAR 3&IN TR PM04365
Legal Subdivision	PARCEL MAP 4365
Legal Tract	1004365
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	PAUMA VALLEY
Census Block Group	2
Census Block	2010
Census Tract	19109

Owner

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 Record
Mailing Address	32292 DUNCAN TER, VALLEY CENTER, CA 92082-3909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · Construction Mortgage NORTH COAST FINANCIAL INC
May 18, 2021	Deed of Trust, Mortgage · Construction Mortgage NORTH COAST FINANCIAL INC
Nov 14, 2017	Grant Deed, Transfer · Conventional Mortgage BATCH TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on Record
Deed Sale	Nov 14, 2017 · Amount on Record
Prior Sale	Nov 17, 2014 · Amount on Record
Deed Document Number	2017530662
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	32292 DUNCAN TER, VALLEY CENTER, CA 92082-3909
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32292 DUNCAN TER, VALLEY CENTER, CA 92082-3909

Mortgage

Document Number	0000111647
Date	May 3, 2024
Instrument	2024-0111647

Lender

Name	NORTH COAST FINANCIAL INC
Type	Funding / Finance Company
Address	CARLSBAD, CA 92018

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	32292 DUNCAN TER, VALLEY CENTER, CA 92082-3909
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32292 DUNCAN TER, VALLEY CENTER, CA 92082-3909

Mortgage

Document Number	0000379160
Date	May 18, 2021
Instrument	2021-0379160

Lender

Name	NORTH COAST FINANCIAL INC
Type	Funding / Finance Company
Address	CARLSBAD, CA 92018

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2017
Property Address	32292 DUNCAN TER, VALLEY CENTER, CA 92082-3909
Document Number	0000530662
Instrument Date	Jul 20, 2017
Instrument	530662
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Full Value
Additional	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	32292 DUNCAN TER VALLEY CENTER CA 920823909, VALLEY CENTER, CA 92082-3909

Mortgage

Document Number	530663
Date	Nov 14, 2017
Instrument	530663

Lender

Name	BATCH TRUST (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$765,861 (+2%) Land $430,798 Building $335,063
2025	$9,199.00 (-14.48%) Homeowner's exemption	$750,845 (+4.04%) Land $422,351 Building $328,494
2023	$10,757.00 (+4.05%) Homeowner's exemption	$721,690 Land $405,951 Building $315,739
2022	$10,338.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 86% of the US · above 66% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Mediacom Xtream, Verizon.

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