9720 Oak Grove Dr, Descanso, CA 91916 Property Records

San Diego County property record for 9720 Oak Grove Dr, Descanso, CA 91916

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 886 sqft · built 1940
Lot Size	0.388 acres (16,917 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Oct 2025)
Tax Bill	$5,093 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`405-230-09-00`

Property Details

APN / Parcel Number

Primary APN	`405-230-09-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	886 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	16,917 sqft (0.388 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9720 OAK GROVE DR
City	DESCANSO
State	CA
Zip	91916-9810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 13 TR 001733
Legal Subdivision	HULBURD GROVE
Legal Tract	001733
Legal Block	1
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	LAGUNA-PINE VALLEY
Census Block Group	1
Census Block	1023
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	9720 OAK GROVE DR, DESCANSO, CA 91916-9810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Mar 14, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Mar 14, 2023 · Amount on Record
Deed Document Number	2025301334
Prior Transfer Date	Feb 2, 2011
Prior Transfer Doc	0000102201
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 27, 2025
Property Address	9720 OAK GROVE DR, DESCANSO, CA 91916-9810
Document Number	0000301334
Map Reference	MAP 1733
Instrument Date	Oct 23, 2025
Instrument	2025-0301334
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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 with Right of Survivorship
Address	9720 OAK GROVE DR, DESCANSO, CA 91916-9810

Mortgage

Document Number	0000301335
Date	Oct 27, 2025
Instrument	2025-0301335

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 14, 2023
Property Address	9720 OAK GROVE DR, DESCANSO, CA 91916-9810
Document Number	0000065213
Map Reference	MAP 1733
Instrument Date	Feb 14, 2023
Instrument	2023-0065213
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	9720 OAK GROVE DR, DESCANSO, CA 91916-9810

Mortgage

Document Number	0000065214
Date	Mar 14, 2023
Instrument	2023-0065214

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	0000065215
Date	Mar 14, 2023
Instrument	2023-0065215

Lender

Name	US BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55423

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$555,000 (+19.88%) Land $440,000 Building $115,000
2025	$5,093.00 (+220.52%)	$462,976 (+229.17%) Land $225,551 Building $237,425
2023	$1,589.00 (-1.37%)	$140,649 Land $68,521 Building $72,128
2022	$1,611.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.4% of the US · above 96% of California
Wildfire Likelihood	6% 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

4G LTE (outdoors only), no 5G reported

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