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28919 Deer Creek Trl1 / 40 · Click to zoom

About this home

Enjoy mountain living in the desirable community of Pine Valley with this remodeled turn-key retreat on a gated and fully fenced .32-acre lot. The upper level offers a comfortable 1-bedroom, 1-bath layout with an updated kitchen, inviting living area, and private deck overlooking the peaceful setting, perfect for morning coffee or relaxing in the fresh mountain air. The off-grid property features owned solar, battery storage, generator-ready setup, city water, internet access, and a newer permitted septic system, adding convenience and value. The lower level is unfinished and offers flexible potential for storage, laundry, workshop space, bonus living area, or future expansion. The usable lot provides room for parking, RVs, equipment, toys, or outdoor improvements. Set near hiking trails, horse trails, and Cleveland National Forest, this property offers privacy, small-town charm, and outdoor adventure while still being less than an hour from San Diego. A great opportunity for a first-time buyer, weekend getaway, or investment property in one of San Diego County s most charming mountain communities.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$172,000 · Apr 2023
📋 Assessed value$182,525
💵 Annual tax$1,958
🏫 School districtMountain Empire Unified School District

MLS #SR26123572MR

🔥 Risk & insurability

🔥 Fire hazard zoneVery High
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Interest rate %
Loan term (yrs)
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Estimated total monthly payment
$2,819
Principal & interest$2,275
Property tax$413
Home insurance$131
Down payment: $90,000Loan: $360,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.