San Diego County property record for 445 Kempton St, Spring Valley, CA 91977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,125 sqft · built 1981 |
| Lot Size | 0.8 acres (3,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $692,000 (Nov 2025) |
| Tax Bill | $8,607 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 584-470-49-00 |
| Primary APN | 584-470-49-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,125 sqft Living Area |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 3,500 sqft (0.8 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 445 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 LOT 6 TR 000441 |
| Legal Subdivision | COLONY/LA PRESA |
| Legal Tract | 000441 |
| Legal Block | 41 |
| Legal Lot Number | 6 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 13903 |
Source: San Diego County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Mar 23, 2022 | Deed of Trust, Mortgage · Commercial Mortgage HOME ADOPTERS DEVELOPMENT LLC |
| Oct 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 5, 2025 | Grant Deed, Transfer · FHA Mortgage GEO-CORP INC |
| May 25, 2023 | Grant Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Sep 23, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2025 · Amount on Record |
| Deed Sale | Nov 5, 2025 · Amount on Record |
| Prior Sale | May 25, 2023 · Amount on Record |
| Deed Document Number | 2025312715 |
| Prior Transfer Date | Sep 18, 2020 |
| Prior Transfer Doc | 0000564504 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000128747 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 2022-0128747 |
| Name | HOME ADOPTERS DEVELOPMENT LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAN DIEGO, CA 92104 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000705824 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 2021-0705824 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 5, 2025 |
| Property Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000312715 |
| Map Reference | MAP 441 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 2025-0312715 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000312716 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 2025-0312716 |
| Name | GEO-CORP INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 25, 2023 |
| Property Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000136666 |
| Map Reference | MAP 441 |
| Instrument Date | May 9, 2023 |
| Instrument | 2023-0136666 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2023 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000136667 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 2023-0136667 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 23, 2020 |
| Property Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000564504 |
| Map Reference | MAP 441 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 2020-0564504 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 445 KEMPTON ST, SPRING VALLEY, CA 91977-5830 |
| Document Number | 0000564505 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2020-0564505 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: San Diego County assessment roll, as of July 21, 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 | $692,000 (+3.95%) Land $400,272 Building $291,728 | |
| 2025 | $8,607.00 (+3.54%) | $665,676 (+51.75%) Land $385,045 Building $280,631 |
| 2024 | $8,313.00 (+47.37%) | |
| 2023 | $5,641.00 (+1.62%) Homeowner's exemption | $438,652 Land $245,974 Building $192,678 |
| 2022 | $5,551.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures