9440 Elm Dr, Descanso, CA 91916 Property Records

San Diego County property record for 9440 Elm Dr, Descanso, CA 91916

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,638 sqft · built 1987
Lot Size	0.121 acres (5,253 sqft)
Owner	Company Name on File
Last Sale	$411,500 (May 2018)
Tax Bill	$4,456 (2025)
Deeds & Mortgages	Jun 2023 Transfer Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`405-290-38-00`

Property Details

APN / Parcel Number

Primary APN	`405-290-38-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,638 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	5,253 sqft (0.121 acres)

Location & Zoning

Street Address	9440 ELM DR
City	DESCANSO
State	CA
Zip	91916-9793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK F LOT 95 TR 001615
Legal Subdivision	DESCANSO PARK
Legal Tract	001615
Legal Block	F
Legal Lot Number	95
Jurisdiction	SAN DIEGO CA
Township / Civil Division	LAGUNA-PINE VALLEY
Census Block Group	1
Census Block	1073
Census Tract	21202

Owner

9440 Elm Dr is owned by a company that acquired it in March 2023.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	102 BRYCE DR, WARNER ROBINS, GA 31088-2423
Owner Type	Company
Vesting	Borrower in Default

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
Jun 9, 2023	Intrafamily Transfer, Transfer
Dec 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 14, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO SD
Jun 7, 2019	Deed of Trust, Mortgage · Conventional with PMI RATE RABBIT HM LNS
May 4, 2018	Grant Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2018 · Amount on File
Deed Sale	May 4, 2018 · Amount on File
Deed Document Number	2018180953
Last Transfer Date	Mar 20, 2023
Transfer Doc	0000151087
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 9, 2023
Property Address	9440 ELM DR, DESCANSO, CA 91916-9793
Document Number	0000151087
Map Reference	MAP 1615
Instrument Date	Mar 20, 2023
Instrument	2023-0151087
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9440 ELM DR, DESCANSO, CA 91916-9793

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 13, 2021
Property Address	9440 ELM DR, DESCANSO, CA 91916-9793
Document Number	0000840120
Map Reference	MAP 1615
Instrument Date	Dec 8, 2021
Instrument	2021-0840120
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9440 ELM DR, DESCANSO, CA 91916-9793

Mortgage

Document Number	0000840121
Date	Dec 13, 2021
Instrument	2021-0840121

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 14, 2021
Property Address	9440 ELM DR, DESCANSO, CA 91916-9793
Document Number	0000841316
Map Reference	MAP 1615
Instrument Date	Dec 8, 2021
Instrument	2021-0841316
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9440 ELM DR, DESCANSO, CA 91916-9793

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9440 ELM DR, DESCANSO, CA 91916-9793
Document Number	0000228559
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9440 ELM DR DESCANSO CA 919169793, DESCANSO, CA 91916-9793

Mortgage

Document Number	0000228559
Date	Jun 12, 2019
Instrument	228559

Lender

Name	RATE RABBIT HM LNS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2018
Property Address	9440 ELM DR, DESCANSO, CA 91916-9793
Document Number	0000180953
Instrument Date	Apr 5, 2018
Instrument	180953
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.65
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9440 ELM DR DESCANSO CA 919169793, DESCANSO, CA 91916-9793

Mortgage

Document Number	180954
Date	May 4, 2018
Instrument	180954

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 9440 Elm Dr was $4,456.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Mountain Empire Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$419,546 (+2%) Land $232,114 Building $187,432
2025	$4,456.00 Homeowner's exemption	$411,320 Land $227,563 Building $183,757
2023	$4,355.00 (-1.47%)	$395,349 Land $218,727 Building $176,622
2022	$4,420.00

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

Flood

FEMA maps place 9440 Elm Dr in Zone X, an area of minimal flood risk.

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	3 in force

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 9440 Elm Dr is extreme, ranking above 99.2% of the US, with a 5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 99.2% of the US · above 94% of California
Wildfire Likelihood	5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	DESCANSO COMMUNITY WATER DISTRICT serves 870 people · EPA ID CA3710009
Water Source	Groundwater
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Uranium not recorded as resolved · Oct 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Elm Dr

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