9544 Elm Dr, Descanso, CA 91916 Property Records

San Diego County property record for 9544 Elm Dr, Descanso, CA 91916

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1962
Lot Size	0.252 acres (10,965 sqft)
Owner	Individual Name on Record
Last Sale	$398,500 (Nov 2018)
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`405-272-11-00`

Property Details

APN / Parcel Number

Primary APN	`405-272-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,104 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	10,965 sqft (0.252 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9544 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 72 & 73 SLY 1/2 LOT 71 & ALL TR 001615
Legal Subdivision	DESCANSO PARK
Legal Tract	001615
Legal Block	F
Legal Lot Number	71-73
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	Individual Name on Record
Mailing Address	9544 ELM DR, DESCANSO, CA 91916-9708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Nov 15, 2018	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on Record
Deed Sale	Nov 15, 2018 · Amount on Record
Prior Sale	Apr 3, 1987 · Amount on Record
Deed Document Number	2018476672
Prior Transfer Date	May 16, 2016
Prior Transfer Doc	0000243823
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9544 ELM DR, DESCANSO, CA 91916-9708
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9544 ELM DR, DESCANSO, CA 91916-9708

Mortgage

Document Number	0000549559
Date	Aug 2, 2021
Instrument	2021-0549559

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9544 ELM DR, DESCANSO, CA 91916-9708
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000309576
Date	Jul 29, 2019
Instrument	2019-0309576

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 15, 2018
Property Address	9544 ELM DR, DESCANSO, CA 91916-9708
Document Number	0000476672
Map Reference	MAP 1615
Instrument Date	Oct 31, 2018
Instrument	2018-0476672
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9544 ELM DR, DESCANSO, CA 91916-9708

Mortgage

Document Number	0000476673
Date	Nov 15, 2018
Instrument	2018-0476673

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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		$443,748 (+2%) Land $329,967 Building $113,781
2025	$4,790.00 (+4.06%)	$435,048 (+4.04%) Land $323,498 Building $111,550
2023	$4,603.00 (-1.46%)	$418,156 Land $310,937 Building $107,219
2022	$4,671.00

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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