8702 Kelso St, Spring Valley, CA 91977 Property Records

San Diego County property record for 8702 Kelso St, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1958
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on Record
Tax Bill	$5,965 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`584-042-01-00`

Property Details

APN / Parcel Number

Primary APN	`584-042-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	8,500 sqft (0.195 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8702 KELSO ST
City	SPRING VALLEY
State	CA
Zip	91977-4814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 77 TR 003947
Legal Subdivision	SPRING VALLEY ESTATES
Legal Tract	003947
Legal Block	2
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2008
Census Tract	13908

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	Individual Name on Record
Mailing Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Jun 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage MAPLE LEAF CAPITAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2025
Deed Sale	Jan 23, 2025
Prior Sale	Jun 11, 2003 · Amount on Record
Deed Document Number	202518567
Prior Transfer Date	Oct 5, 2006
Prior Transfer Doc	0000729178
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2026
Property Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814
Document Number	0000132574
Instrument Date	May 4, 2026
Instrument	2026132574
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814

Mortgage

Document Number	0000132574,
Date	May 8, 2026
Instrument	2026132574

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814

Mortgage

Document Number	0000292628
Date	Oct 20, 2025
Instrument	2025-0292628

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814
Document Number	0000228734
Instrument Date	Jun 12, 2019
Instrument	228734
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	8702 KELSO ST SPRING VALLEY CA 919774814, SPRING VALLEY, CA 91977-4814

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8702 KELSO ST, SPRING VALLEY, CA 91977-4814
Document Number	0000071381
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8702 KELSO ST SPRING VALLEY CA 919774814, SPRING VALLEY, CA 91977-4814

Mortgage

Document Number	0000071381
Date	Feb 23, 2018
Instrument	71381

Lender

Name	MAPLE LEAF CAPITAL CO
Type	Funding / Finance Company
Address	LOS ANGELES, CA 90049-9455

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 22, 2023

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		$457,928 (+2%) Land $177,261 Building $280,667
2025	$5,965.00 (+3.97%)	$448,950 (+4.04%) Land $173,786 Building $275,164
2024	$5,737.00 (+3.22%)
2023	$5,558.00 (+1.63%) Homeowner's exemption	$431,519 Land $167,039 Building $264,480
2022	$5,469.00

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

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 639 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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