970 Reef Dr, San Diego, CA 92154 Property Records

San Diego County property record for 970 Reef Dr, San Diego, CA 92154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1972
Lot Size	0.142 acres (6,200 sqft)
Owner	Trust Name on File
Last Sale	$770,000 (Mar 2024)
Tax Bill	$10,109 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`630-353-20-00`

Property Details

APN / Parcel Number

Primary APN	`630-353-20-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,196 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	6,200 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	970 REEF DR
City	SAN DIEGO
State	CA
Zip	92154-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-7
Legal Description	LOT 218 TR 006756
Legal Subdivision	PACIFICA HILLS
Legal Tract	006756
Legal Block	2
Legal Lot Number	218
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	10010

Owner

970 Reef Dr is held in a trust since March 2024.

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

Owner of Record	Trust Name on File
Mailing Address	300 CARLSBAD VILLAGE DR, 108A, CARLSBAD, CA 92008-2990
Owner Type	Company
Vesting	Trust, Family Trust

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
Mar 18, 2024	Grant Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 25, 2024	Grant Deed, Transfer PACIFIC VA TITLE, PACIFIC COAST TITLE
Mar 3, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Mar 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2024 · Amount on File
Deed Sale	Mar 18, 2024 · Amount on File
Prior Sale	Jan 25, 2024 · Amount on File
Deed Document Number	202467699
Prior Transfer Date	Feb 3, 2020
Prior Transfer Doc	0000111295
Record Updated	Oct 29, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2024
Property Address	970 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000067699
Map Reference	MAP 6756
Instrument Date	Mar 13, 2024
Instrument	2024-0067699
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	970 REEF DR, SAN DIEGO, CA 92154-1538

Mortgage

Document Number	0000067700
Date	Mar 18, 2024
Instrument	2024-0067700

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 25, 2024
Property Address	970 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000021160
Map Reference	MAP 6756
Instrument Date	Dec 20, 2023
Instrument	2024-0021160
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transaction

Amount	Amount 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	Family Trust
Address	300 CARLSBAD VILLAGE DR # 108A12, 108A12, CARLSBAD, CA 92008-2900

March 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2020
Property Address	970 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000111294
Instrument Date	Feb 3, 2020
Instrument	111294
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	970 REEF DR SAN DIEGO CA 921541538, SAN DIEGO, CA 92154-1538

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2020
Property Address	970 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000111295
Instrument Date	Feb 3, 2020
Instrument	111295
Transaction Type	Transfer
Record Updated	Mar 16, 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
Address	970 REEF DR SAN DIEGO CA 921541538, SAN DIEGO, CA 92154-1538

Tax Assessment & Valuation

The 2025 property tax bill for 970 Reef Dr was $10,109.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Diego City
Elementary School District	South Bay Union School District (KG - 06)
Secondary School District	Sweetwater Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$801,108 (+2%) Land $624,240 Building $176,868
2025	$10,109.00	$785,400 Land $612,000 Building $173,400
2023	$703.00 (+2.18%) Homeowner's exemption	$63,898 Land $16,400 Building $47,498
2022	$688.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 970 Reef Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 970 Reef Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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	CAL-AM WATER CORONADO private · serves 106,000 people · EPA ID CA3710001
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2023
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 517 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
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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