870 Banock St, Spring Valley, CA 91977 Property Records

San Diego County property record for 870 Banock St, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 837 sqft · built 1972
Lot Size	0.218 acres (9,500 sqft)
Owner	2 Individual Names on File
Last Sale	$398,000 (Oct 2018)
Tax Bill	$5,906 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`579-252-19-00`

Property Details

APN / Parcel Number

Primary APN	`579-252-19-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	837 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Built-Up Asphalt
Lot Area	9,500 sqft (0.218 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	870 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 70 & 71 TR 002050
Legal Subdivision	EAST SIDE ADD
Legal Tract	002050
Legal Block	3
Legal Lot Number	70,71
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	13909

Owner

870 Banock St is owned and occupied by two individuals who bought it in October 2018.

Source: San Diego County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 10, 2019	Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 8, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 18, 2018	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2018 · Amount on File
Deed Sale	Oct 18, 2018 · Amount on File
Prior Sale	Jun 23, 2000 · Amount on File
Deed Document Number	2018434938
Prior Transfer Date	Sep 28, 1999
Prior Transfer Doc	0000670530
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205

Mortgage

Document Number	0000611840
Date	Oct 9, 2020
Instrument	2020-0611840

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	Dec 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000274292
Date	Jul 10, 2019
Instrument	2019-0274292

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205

Mortgage

Document Number	0000490589
Date	Jul 8, 2021
Instrument	2021-0490589

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 18, 2018
Property Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205
Document Number	0000434938
Map Reference	MAP 2050
Instrument Date	Sep 19, 2018
Instrument	2018-0434938
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	870 BANOCK ST, SPRING VALLEY, CA 91977-5205

Mortgage

Document Number	0000434939
Date	Oct 18, 2018
Instrument	2018-0434939

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 870 Banock St was $5,906 with a homeowner's exemption.

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		$452,848 (+2%) Land $245,700 Building $207,148
2025	$5,906.00 Homeowner's exemption	$443,970 Land $240,883 Building $203,087
2023	$5,503.00 (+1.64%) Homeowner's exemption	$426,731 Land $231,530 Building $195,201
2022	$5,414.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 870 Banock St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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

Wildfire risk around 870 Banock St is low, with a 0.02% annual chance of 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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