8728 Harness St, Spring Valley, CA 91977 Property Records

San Diego County property record for 8728 Harness St, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,728 sqft · built 1971
Lot Size	0.196 acres (8,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Feb 2013)
Tax Bill	$5,959 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`578-141-38-00`

Property Details

APN / Parcel Number

Primary APN	`578-141-38-00`
Alternative APN	`5781412100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	8,522 sqft (0.196 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	5781412100
Street Address	8728 HARNESS ST
City	SPRING VALLEY
State	CA
Zip	91977-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 9 DOC26045REC69 IN TR 000330
Legal Subdivision	RANCHO MISSION
Legal Tract	000330
Legal Block	3
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	13906

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	2 Individual Names on Record
Mailing Address	8728 HARNESS ST, SPRING VALLEY, CA 91977-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage V I P MORTGAGE INC
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2013 · Amount on Record
Deed Sale	Feb 15, 2013 · Amount on Record
Prior Sale	Aug 29, 2012 · Amount on Record
Deed Document Number	2013104623
Last Transfer Date	Mar 20, 2015
Transfer Doc	0000146626
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8728 HARNESS ST, SPRING VALLEY, CA 91977-3820
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8728 HARNESS ST, SPRING VALLEY, CA 91977-3820

Mortgage

Document Number	0000045316
Date	Feb 22, 2024
Instrument	2024-0045316

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Mar 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8728 HARNESS ST, SPRING VALLEY, CA 91977-3820
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000166717
Date	Apr 1, 2020
Instrument	2020-0166717

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 3, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8728 HARNESS ST, SPRING VALLEY, CA 91977-3820
Document Number	0000232293
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8728 HARNESS ST SPRING VALLEY CA 919773820, SPRING VALLEY, CA 91977-3820

Mortgage

Document Number	0000232293
Date	Jun 14, 2019
Instrument	232293

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

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		$458,447 (+2%) Land $202,852 Building $255,595
2025	$5,959.00 (+7.33%) Homeowner's exemption	$449,459 (+4.04%) Land $198,875 Building $250,584
2023	$5,552.00 (+1.63%) Homeowner's exemption	$432,007 Land $191,153 Building $240,854
2022	$5,463.00

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · 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	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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 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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