Scan the Block · for lender or underwriter

The collateral's record, read before the appraisal is ordered.

An appraisal values the building; this report reads its record. The county's assessed value and the day it was anchored, what the parcels around it last recorded, the fire hazard zone an insurer will ask about, and flood standing on the map lenders use — the file a credit memo quotes, with every figure carrying its source.

The questions it answers

What obligations transfer at close?
Are there open permits on this building?
Is the collateral in a fire hazard severity zone?
Does the county publish the recorded document and its date?
When was the assessment last anchored, and to what?
Which flood zone is it in?

The sections that earn their keep

FEMA flood zoneThe lender's map, distinguished from the city's own storm layers — with the panel and its effective date.

The ground under it, and the fire above itThe state's fire hazard severity zone and whose responsibility area it falls in, the region's copy of the federal floodplain with its panel, mapped steep slope, any mapped active fault, whether a recorded wildfire has reached the point, and the evacuation zone an order would name. A layer that maps no zone here says so; one that did not answer is marked unread rather than counted as clear.

The building's permitsOpen permits are open liabilities; the report counts them rather than assuming completion.

The building on the county rollSan Diego County's assessed land and improvement value, the unit count and lot acreage, and the date of the last recorded document that anchored the value. Under Proposition 13 that date is what the number is anchored to.

What changed hands nearbyEvery parcel within the radius whose most recent recorded document falls in the window, with its assessed value. California discloses no sale price, so the figure is the assessment, which resets to the price on transfer.

Nothing here needs a compliance read. The report contains no scores, grades or rankings — no safety rating, no school grade, no neighborhood letter. Those are the classic proxies for what the Fair Housing Act protects, and this product refuses them by design: you get counts, comparisons and sources. It names no person, and it is not a consumer report.

Written for you

What a San Diego assessment actually isAnchored to the last sale, capped at about two per cent a year, and published as one roll rather than a run of years. Why a seller's bill says nothing about a buyer's.What San Diego files every dayFive lists from the city's permit file, keyed on the day an approval was issued rather than the day it was asked for.How to read a San Diego reportWhat the city publishes, what the region publishes, and why this city's counts carry a date the others do not.Why this city's numbers say when they were takenSan Diego publishes its whole transactional record as files with no way to query them. So this report holds a copy, and tells you how old it is.

See it on a real address

Run any San Diego address and the report reads that city's portal live, at the moment you ask. Plans start at $49 a month, billed monthly or annually, and re-reading a report you have run is always free.

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Also written for: buying a home · renting · owner or landlord · agent or broker · investor · developer or builder · insurance · hoa or property management · attorney or other professional · contractor or trade