990 Reef Dr, San Diego, CA 92154 Property Records

San Diego County property record for 990 Reef Dr, San Diego, CA 92154

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,313 sqft · built 1972
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on File
Tax Bill	$560 (2025)
Deeds & Mortgages	Oct 2025 Transfer Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`630-353-18-00`

Property Details

APN / Parcel Number

Primary APN	`630-353-18-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,313 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	6,100 sqft (0.14 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	990 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 216 TR 006756
Legal Subdivision	PACIFICA HILLS
Legal Tract	006756
Legal Block	2
Legal Lot Number	216
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	10010

Owner

990 Reef Dr is owned and occupied by an individual who acquired it in November 2009.

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

Owner of Record	Individual Name on File
Mailing Address	990 REEF DR, SAN DIEGO, CA 92154-1538
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 24, 2025	Intrafamily Transfer, Transfer
Oct 24, 2025	Grant Deed, Subdivision Related Transfer FNTIC
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 19, 2009
Transfer Doc	0000680927
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2025
Property Address	990 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000299845
Map Reference	MAP 13192
Instrument Date	Oct 23, 2025
Instrument	2025-0299845
Transaction Type	Transfer
Record Updated	Nov 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 REEF DR, SAN DIEGO, CA 92154-1538

October 2025: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2025
Property Address	990 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000299846
Map Reference	MAP 13192
Instrument Date	Oct 15, 2025
Instrument	2025-0299846
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2025
Title Company	FNTIC

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	Joint Tenants
Address	990 REEF DR, SAN DIEGO, CA 92154-1538

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	990 REEF DR, SAN DIEGO, CA 92154-1538
Document Number	0000472668
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 REEF DR SAN DIEGO CA 921541538, SAN DIEGO, CA 92154-1538

Mortgage

Document Number	0000472668
Date	Oct 21, 2019
Instrument	472668

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 20, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 990 Reef Dr was $560.

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		$165,382 (+2%) Land $41,742 Building $123,640
2025	$560.00	$162,140 Land $40,924 Building $121,216
2023	$33.00 (-49.23%)	$155,846 Land $39,336 Building $116,510
2022	$65.00

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 990 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 990 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 566 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

May also be available: AT&T, GeoLinks, T-Mobile.

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