San Diego County property record for 856 Reef Dr, San Diego, CA 92154
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1971 |
| Lot Size | 0.17 acres (7,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $262,000 (Apr 2011) |
| Tax Bill | $4,555 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 630-340-42-00 |
| Primary APN | 630-340-42-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Lot Area | 7,400 sqft (0.17 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 856 REEF DR |
|---|---|
| City | SAN DIEGO |
| State | CA |
| Zip | 92154-1536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1-7 |
| Legal Description | LOT 125 TR 006606 |
| Legal Subdivision | PACIFICA HILLS |
| Legal Tract | 006606 |
| Legal Block | 2 |
| Legal Lot Number | 125 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10010 |
856 Reef Dr is owned and occupied by two individuals who bought it in April 2011.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 856 REEF DR, SAN DIEGO, CA 92154-1536 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Feb 28, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2011 · Amount on File |
| Deed Sale | Apr 5, 2011 · Amount on File |
| Prior Sale | Oct 25, 2010 · Amount on File |
| Deed Document Number | 2011175027 |
| Prior Transfer Date | Oct 26, 1995 |
| Prior Transfer Doc | 0000488329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 15, 2026 |
| Property Address | 856 REEF DR, SAN DIEGO, CA 92154-1536 |
| Document Number | 0000105313 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 2026105313 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 856 REEF DR, SAN DIEGO, CA 92154-1536 |
| Document Number | 0000105313, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026105313 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 856 REEF DR, SAN DIEGO, CA 92154-1536 |
| Document Number | 0000149502 |
| Instrument Date | Feb 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 856 REEF DR SAN DIEGO CA 921541536, SAN DIEGO, CA 92154-1536 |
| Document Number | 0000149502 |
|---|---|
| Date | Apr 4, 2017 |
| Instrument | 149502 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 3, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 856 Reef Dr was $4,555 with a homeowner's exemption, up 20.5% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Diego City |
| Elementary School District | South Bay Union School District (KG - 06) |
| Secondary School District | Sweetwater Union High School District (07 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $342,365 (+2%) Land $148,853 Building $193,512 | |
| 2025 | $4,555.00 (+20.53%) Homeowner's exemption | $335,653 Land $145,935 Building $189,718 |
| 2024 | $3,779.00 (+0.8%) | |
| 2023 | $3,749.00 (+1.99%) Homeowner's exemption | $322,621 Land $140,269 Building $182,352 |
| 2022 | $3,676.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 856 Reef Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 856 Reef Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 | CAL-AM WATER CORONADO private · serves 106,000 people · EPA ID CA3710001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2023 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 517 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile.
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