3545 Saddle Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 3545 Saddle Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,158 sqft · built 1975
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on File
Last Sale	$855,000 (Sep 2022)
Tax Bill	$11,241 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`499-363-06-00`

Property Details

APN / Parcel Number

Primary APN	`499-363-06-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,158 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	10,800 sqft (0.248 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3545 SADDLE DR
City	SPRING VALLEY
State	CA
Zip	91977-2038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 327 TR 002034
Legal Subdivision	LA MESA COUNTRY CLUB
Legal Tract	002034
Legal Block	2
Legal Lot Number	327
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	13801

Owner

3545 Saddle Dr is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3545 SADDLE DR, SPRING VALLEY, CA 91977-2038
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2022 · Amount on File
Deed Sale	Sep 21, 2022 · Amount on File
Deed Document Number	2022370645
Prior Transfer Date	Sep 20, 2022
Prior Transfer Doc	0000370644
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2022
Property Address	3545 SADDLE DR, SPRING VALLEY, CA 91977-2038
Document Number	0000370645
Map Reference	MAP 2034
Instrument Date	Sep 11, 2022
Instrument	2022-0370645
Transaction Type	Transfer
Record Updated	Sep 30, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Joint Tenants
Address	3545 SADDLE DR, SPRING VALLEY, CA 91977-2038

Mortgage

Document Number	0000370646
Date	Sep 21, 2022
Instrument	2022-0370646

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3545 Saddle Dr was $11,241.

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		$907,332 (+2%) Land $424,483 Building $482,849
2025	$11,241.00	$889,542 Land $416,160 Building $473,382
2023	$10,217.00 (+276.87%)	$826,000 Land $386,000 Building $440,000
2022	$2,711.00

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

Flood

FEMA maps place 3545 Saddle Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Nearby Flood Claims	2 (2017–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2019 · Severe Storms And Flooding

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 3545 Saddle Dr 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 595 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 500
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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