9502 Elm Dr, Descanso, CA 91916 Property Records

San Diego County property record for 9502 Elm Dr, Descanso, CA 91916

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,664 sqft · built 1992
Lot Size	0.296 acres (12,891 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Mar 2026)
Tax Bill	$6,784 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`405-290-04-00`

Property Details

APN / Parcel Number

Primary APN	`405-290-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,664 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	12,891 sqft (0.296 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9502 ELM DR
City	DESCANSO
State	CA
Zip	91916-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK F LOTS 91 THRU 93 TR 001615
Legal Subdivision	DESCANSO PARK
Legal Tract	001615
Legal Block	F
Legal Lot Number	91-93
Jurisdiction	SAN DIEGO CA
Township / Civil Division	LAGUNA-PINE VALLEY
Census Block Group	1
Census Block	1072
Census Tract	21202

Owner

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	2 Individual Names on Record
Mailing Address	9502 SHINING ELM DR, SAN ANTONIO, TX 78254-6021
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2021	Grant Deed, Transfer CHICAGO TITLE COMPANY
Sep 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Jul 6, 2021 · Amount on Record
Deed Document Number	202669655
Prior Transfer Date	Jul 20, 1994
Prior Transfer Doc	0000455029
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2026
Property Address	9502 ELM DR, DESCANSO, CA 91916-9708
Document Number	0000069655
Map Reference	MAP 1615
Instrument Date	Feb 9, 2026
Instrument	2026-0069655
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9502 ELM DR, DESCANSO, CA 91916-9708

Mortgage

Document Number	0000069656
Date	Mar 13, 2026
Instrument	2026-0069656

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2021
Property Address	9502 ELM DR, DESCANSO, CA 91916-9708
Document Number	0000485244
Map Reference	MAP 1615
Instrument Date	Jul 6, 2021
Instrument	2021-0485244
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3150, CHAPEL HILL, NC 27515-3150

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2020
Property Address	9502 ELM DR, DESCANSO, CA 91916-9708
Document Number	0000551331
Instrument Date	Aug 31, 2020
Instrument	551331
Transaction Type	Transfer
Record Updated	Sep 28, 2020
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	1925 QUIDORT CT EL CAJON CA 920202222, EL CAJON, CA 92020-2222

Tax Assessment & Valuation

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		$631,056 (+2%) Land $378,850 Building $252,206
2025	$6,784.00 (+2.06%)	$618,683 (+4.04%) Land $371,422 Building $247,261
2024	$6,647.00 (+1.95%)
2023	$6,520.00 (-1.48%)	$594,660 Land $357,000 Building $237,660
2022	$6,618.00

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	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

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

Wildfire Risk	Extreme above 99.1% of the US · above 93% 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	75 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Elm Dr

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