657 Pecos St, Spring Valley, CA 91977 Property Records

San Diego County property record for 657 Pecos St, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,435 sqft · built 1964
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Tax Bill	$1,536 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage Feb 2021 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`579-192-14-00`

Property Details

APN / Parcel Number

Primary APN	`579-192-14-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,435 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	5,000 sqft (0.115 acres)
View / Lot	Good

Location & Zoning

Street Address	657 PECOS ST
City	SPRING VALLEY
State	CA
Zip	91977-5238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 20 LOTS 1 & 2 TR 002050
Legal Subdivision	EAST SIDE ADD
Legal Tract	002050
Legal Block	20
Legal Lot Number	1,2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2015
Census Tract	13909

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Reverse Mortgage THE MONEY HOUSE INC
Feb 3, 2021	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
Sep 14, 2017	Deed of Trust, Mortgage ENNKAR
Sep 14, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 4, 2004
Transfer Doc	0001093809
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	FC TITLE, FNC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238

Mortgage

Document Number	0000204962
Date	May 12, 2022
Instrument	2022-0204962

Lender

Name	THE MONEY HOUSE INC
Type	Mortgage Company
Address	ORLANDO, FL 32819

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	839 Months
Due	Apr 22, 2092

Interest

Rate Type	Adjustable Rate
Rate	3.71%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.71%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238

Mortgage

Document Number	0000085579
Date	Feb 3, 2021
Instrument	2021-0085579

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.22%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238
Document Number	0000436843
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE OFS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 PECOS ST SPRING VALLEY CA 919775238, SPRING VALLEY, CA 91977-5238

Mortgage

Document Number	0000436843
Date	Sep 25, 2017
Instrument	436843

Lender

Name	ENNKAR
Address	2050 S SANTA CRUZ ST # 2100, ANAHEIM, CA 92805-6820

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.44%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 PECOS ST, SPRING VALLEY, CA 91977-5238
Document Number	0000436844
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE OFS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 PECOS ST SPRING VALLEY CA 919775238, SPRING VALLEY, CA 91977-5238

Mortgage

Document Number	0000436844
Date	Sep 25, 2017
Instrument	436844

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.44%

Tax Assessment & Valuation

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		$75,464 (+2%) Land $17,836 Building $57,628
2025	$1,536.00 (+12.36%) Homeowner's exemption	$73,986 (+4.04%) Land $17,487 Building $56,499
2023	$1,367.00 (+3.09%) Homeowner's exemption	$71,115 Land $16,809 Building $54,306
2022	$1,326.00

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 · 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
Nearby Flood Claims	2 (2010–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2017 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 567 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
San Diego Broadband Fixed Wireless	500 / 100

May also be available: GeoLinks, Verizon.

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