San Diego County property record for 9517 Elm Dr, Descanso, CA 91916
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,073 sqft · built 1975 |
| Lot Size | 0.283 acres (12,322 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $207,500 (Mar 2011) |
| Tax Bill | $2,876 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 405-300-22-00 |
| Primary APN | 405-300-22-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,073 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Lot Area | 12,322 sqft (0.283 acres) |
| Lot Dimensions | 108 ft deep x 107 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 4053000500 |
|---|---|
| Street Address | 9517 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 A LOTS 29 THRU 31 TR 001615 |
| Legal Subdivision | DESCANSO PARK |
| Legal Tract | 001615 |
| Legal Block | A |
| Legal Lot Number | 29-31 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | LAGUNA-PINE VALLEY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 21202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 9517 ELM DR, DESCANSO, CA 91916-9708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FINANCIAL INC |
| Oct 17, 2019 | Deed of Trust, Mortgage · Line of Credit MYPOINY CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2011 · Amount on Record |
| Deed Sale | Mar 30, 2011 · Amount on Record |
| Deed Document Number | 2011166139 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 21, 2026 |
| Property Address | 9517 ELM DR, DESCANSO, CA 91916-9708 |
| Document Number | 0000145720 |
| Instrument Date | May 14, 2026 |
| Instrument | 2026145720 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 9517 ELM DR, DESCANSO, CA 91916-9708 |
| Document Number | 0000145720, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 2026145720 |
| Name | POINT DIGITAL FINANCIAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 9517 ELM DR, DESCANSO, CA 91916-9708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000466932 |
|---|---|
| Date | Oct 17, 2019 |
| Instrument | 2019-0466932 |
| Name | MYPOINY CREDIT UNION |
|---|---|
| Type | Non-Lending Institution |
| Address | SAN DIEGO, CA 92123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 17, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Mountain Empire Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $271,146 (+2%) Land $98,003 Building $173,143 | |
| 2025 | $2,876.00 (+4.2%) Homeowner's exemption | $265,831 (+4.04%) Land $96,082 Building $169,749 |
| 2023 | $2,760.00 (-1.39%) Homeowner's exemption | $255,510 Land $92,352 Building $163,158 |
| 2022 | $2,799.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
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.
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 |
5G and 4G LTE (outdoors only)
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