San Diego County property record for 437 Kempton St, Spring Valley, CA 91977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,397 sqft · built 1957 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Oct 2019) |
| Tax Bill | $6,604 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 584-470-04-00 |
| Primary APN | 584-470-04-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,397 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 437 KEMPTON ST |
|---|---|
| City | SPRING VALLEY |
| State | CA |
| Zip | 91977-5830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | BLK 41 LOTS 7 & 8 TR 000441 |
| Legal Subdivision | COLONY/LA PRESA |
| Legal Tract | 000441 |
| Legal Block | 41 |
| Legal Lot Number | 7,8 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 13903 |
437 Kempton St is owned and occupied by two individuals who bought it in October 2019.
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 File |
|---|---|
| Mailing Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 31, 2023 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Oct 21, 2021 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| May 18, 2021 | Deed of Trust, Mortgage · VA Mortgage FLORIDA CAPITAL BANK NA |
| Mar 2, 2021 | Deed of Trust, Mortgage · VA Mortgage FLORIDA CAPITAL BANK NA |
| Oct 1, 2019 | Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2019 · Amount on File |
| Deed Sale | Oct 1, 2019 · Amount on File |
| Prior Sale | Dec 9, 2016 · Amount on File |
| Deed Document Number | 2019437139 |
| Prior Transfer Date | Nov 28, 2016 |
| Prior Transfer Doc | 0000675276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000237545 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 2023-0237545 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000732665 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021-0732665 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN |
| Name | Verified Name |
|---|---|
| Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000376927 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021-0376927 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ATLANTIC BEACH, FL 32233 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Title Company | FNAS |
| Name | Verified Name |
|---|---|
| Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000160112 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 2021-0160112 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ATLANTIC BEACH, FL 32233 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 1, 2019 |
| Property Address | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000437139 |
| Map Reference | MAP 441 |
| Instrument Date | Sep 4, 2019 |
| Instrument | 2019-0437139 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE COMPANY |
| Amount | Amount 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 | 437 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000437140 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | 2019-0437140 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 437 Kempton St was $6,604 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $513,133 (+2%) Land $245,412 Building $267,721 | |
| 2025 | $6,604.00 Homeowner's exemption | $503,072 Land $240,600 Building $262,472 |
| 2023 | $6,163.00 (+1.58%) Homeowner's exemption | $483,539 Land $231,258 Building $252,281 |
| 2022 | $6,067.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 437 Kempton St 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 | 2 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 437 Kempton St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 | Viejas Community System tribal government · serves 9,600 people · EPA ID 090600158 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 670 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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