862 Banock St, Spring Valley, CA 91977 Property Records

San Diego County property record for 862 Banock St, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,323 sqft · built 1963
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$765,000 (Nov 2024)
Tax Bill	$9,780 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`579-252-17-00`

Property Details

APN / Parcel Number

Primary APN	`579-252-17-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,323 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Block
Construction Type	Frame
Lot Area	8,700 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	862 BANOCK ST
City	SPRING VALLEY
State	CA
Zip	91977-5205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 3 LOTS 67 & 68 TR 002050
Legal Subdivision	EAST SIDE ADD
Legal Tract	002050
Legal Block	3
Legal Lot Number	67,68
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	13909

Owner

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	2 Individual Names on Record
Mailing Address	862 BANOCK ST, SPRING VALLEY, CA 91977-5205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · VA Mortgage CLEAR MORTGAGE CAPITAL INC
Mar 24, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Dec 6, 2019	Grant Deed, Transfer · VA Mortgage UMC MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2024 · Amount on Record
Deed Sale	Nov 18, 2024 · Amount on Record
Prior Sale	Dec 6, 2019 · Amount on Record
Deed Document Number	2024320485
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	862 BANOCK ST, SPRING VALLEY, CA 91977-5205
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 BANOCK ST, SPRING VALLEY, CA 91977-5205
Investor	Possibly a Property Investor

Mortgage

Document Number	0000317350
Date	Nov 10, 2025
Instrument	2025-0317350

Lender

Name	CLEAR MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	862 BANOCK ST, SPRING VALLEY, CA 91977-5205
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 BANOCK ST, SPRING VALLEY, CA 91977-5205

Mortgage

Document Number	0000229126
Date	Mar 24, 2021
Instrument	2021-0229126

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2019
Property Address	862 BANOCK ST, SPRING VALLEY, CA 91977-5205
Document Number	0000570126
Map Reference	MAP 2050
Instrument Date	Nov 7, 2019
Instrument	2019-0570126
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	862 BANOCK ST, SPRING VALLEY, CA 91977-5205

Mortgage

Document Number	0000570127
Date	Dec 6, 2019
Instrument	2019-0570127

Lender

Name	UMC MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$780,299 (+2%) Land $549,507 Building $230,792
2025	$9,780.00 (+49.31%)	$765,000 (+50.05%) Land $538,733 Building $226,267
2023	$6,550.00 (+1.52%)	$509,818 Land $359,027 Building $150,791
2022	$6,452.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 920 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

May also be available: Verizon.

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