3278 San Carlos Dr, Spring Valley, CA 91978 Property Records

San Diego County property record for 3278 San Carlos Dr, Spring Valley, CA 91978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,397 sqft · built 1955
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Nov 2003)
Tax Bill	$5,385 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`505-154-13-00`

Property Details

APN / Parcel Number

Primary APN	`505-154-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,397 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	340 ft deep x 117 ft wide
View / Lot	Good
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3278 SAN CARLOS DR
City	SPRING VALLEY
State	CA
Zip	91978-1029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 17 TR 002452
Legal Subdivision	LOMA RANCHO
Legal Tract	002452
Legal Block	1
Legal Lot Number	17
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	13505

Owner

3278 San Carlos Dr is owned and occupied by an individual who bought it in November 2003.

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

Owner of Record	Individual Name on File
Mailing Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2003 · Amount on File
Deed Sale	Nov 13, 2003 · Amount on File
Prior Sale	Jul 31, 1992 · Amount on File
Deed Document Number	20031368705
Prior Transfer Date	Apr 27, 1995
Prior Transfer Doc	0000182368
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029

Mortgage

Document Number	0000710548
Date	Oct 12, 2021
Instrument	2021-0710548

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029

Mortgage

Document Number	0000681713
Date	Nov 3, 2020
Instrument	2020-0681713

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029
Document Number	0000012801
Instrument Date	Jan 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SAN CARLOS DR SPRING VALLEY CA 919781029, SPRING VALLEY, CA 91978-1029

Mortgage

Document Number	0000012801
Date	Jan 10, 2020
Instrument	12801

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029
Document Number	0000047357
Instrument Date	Feb 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SAN CARLOS DR SPRING VALLEY CA 919781029, SPRING VALLEY, CA 91978-1029

Mortgage

Document Number	0000047357
Date	Feb 11, 2019
Instrument	47357

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN CARLOS DR, SPRING VALLEY, CA 91978-1029
Document Number	0000146731
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	TSI TITLE COMPANY, TSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SAN CARLOS DR SPRING VALLEY CA 919781029, SPRING VALLEY, CA 91978-1029

Mortgage

Document Number	0000146731
Date	Apr 3, 2017
Instrument	146731

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 3278 San Carlos Dr was $5,385 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
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		$638,065 (+2%) Land $261,027 Building $377,038
2025	$5,385.00	$625,555 Land $255,909 Building $369,646
2023	$5,184.00 (-24.8%) Homeowner's exemption	$601,267 Land $245,973 Building $355,294
2022	$6,894.00

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

Flood

FEMA maps place 3278 San Carlos 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	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

Wildfire risk around 3278 San Carlos Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 553 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
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, San Diego Broadband, T-Mobile, Verizon.

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