San Diego County property record for 8643 Harness St, Spring Valley, CA 91977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,452 sqft · built 1959 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,405 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 578-131-02-00 |
| Primary APN | 578-131-02-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,452 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Good |
| Street Address | 8643 HARNESS ST |
|---|---|
| City | SPRING VALLEY |
| State | CA |
| Zip | 91977-3819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 119 TR 004034 |
| Legal Subdivision | MOUNT MIGUEL TERRACE |
| Legal Tract | 004034 |
| Legal Block | 3 |
| Legal Lot Number | 119 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13906 |
8643 Harness St is owned and occupied by an individual who acquired it in April 2021.
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 | Individual Name on File |
|---|---|
| Mailing Address | 8643 HARNESS ST, SPRING VALLEY, CA 91977-3819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ADVANTAGEFIRST LENDING INC |
| Jan 4, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Apr 12, 2017 | Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 9, 2021 |
| Transfer Doc | 0000295113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 15, 2021 |
| Property Address | 8643 HARNESS ST, SPRING VALLEY, CA 91977-3819 |
| Document Number | 0000295113 |
| Map Reference | MAP 4034 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 2021-0295113 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8643 HARNESS ST, SPRING VALLEY, CA 91977-3819 |
| Document Number | 0000295114 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 2021-0295114 |
| Name | ADVANTAGEFIRST LENDING INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 8643 HARNESS ST, SPRING VALLEY, CA 91977-3819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE SAN DIEGO |
| Name | Verified Name |
|---|
| Document Number | 0000002881 |
|---|---|
| Date | Jan 4, 2017 |
| Instrument | 2017-0002881 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 8643 HARNESS ST, SPRING VALLEY, CA 91977-3819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000164638 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 2017-0164638 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SPRING VALLEY, CA 91977 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 8643 Harness St was $1,405.
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 | $57,891 (+2%) Land $20,695 Building $37,196 | |
| 2025 | $1,405.00 | $56,757 Land $20,290 Building $36,467 |
| 2023 | $1,246.00 (+3.15%) | $54,554 Land $19,503 Building $35,051 |
| 2022 | $1,208.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 8643 Harness St in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 25 (1979–2017) |
| Claims Outside the SFHA | 5 of 25 |
| Most Recent Claim | Feb 2017 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 8643 Harness St 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 | HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010 |
|---|---|
| Water Source | Surface water |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 520 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 |
May also be available: AT&T, T-Mobile.
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