San Diego County property record for 10020 Descanso Trl, Descanso, CA 91916
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,225 sqft · built 2013 |
| Lot Size | 8.1 acres (352,836 sqft) |
| Owner | Company Name on Record |
| Last Sale | $470,000 (Oct 2017) |
| Tax Bill | $5,874 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 405-190-41-00 |
| Primary APN | 405-190-41-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,225 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Lot Area | 352,836 sqft |
| Old Parcel Number | 4051903700 |
|---|---|
| Street Address | 10020 DESCANSO TRL |
| City | DESCANSO |
| State | CA |
| Zip | 91916-9766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 3 PAR D PER DOC18-064313 IN PAR 1&IN TR PM06178 |
| Legal Subdivision | PARCEL MAP NO. 6178 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | LAGUNA-PINE VALLEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21202 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jan 19, 2022 | Intrafamily Transfer, Transfer |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage POINT MORTGAGE CORP |
| Oct 10, 2017 | Grant Deed, Transfer · Conventional with PMI BAY EQUITY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2017 · Amount on Record |
| Deed Sale | Oct 10, 2017 · Amount on Record |
| Deed Document Number | 2017468038 |
| Last Transfer Date | Jan 7, 2022 |
| Transfer Doc | 0000027349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Document Number | 0000057080 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 2022-0057080 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 19, 2022 |
| Property Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Document Number | 0000027349 |
| Map Reference | DOC 77-293585 |
| Instrument Date | Jan 7, 2022 |
| Instrument | 2022-0027349 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000326491 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 2020-0326491 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000426849 |
|---|---|
| Date | Sep 26, 2019 |
| Instrument | 2019-0426849 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHULA VISTA, CA 91910 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 10, 2017 |
| Property Address | 10020 DESCANSO TRL, DESCANSO, CA 91916-9766 |
| Document Number | 0000468038 |
| Instrument Date | Sep 1, 2017 |
| Instrument | 468038 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | TICOR TITLE SAN DIEGO BR |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $517.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2029 JULIAN AVE SAN DIEGO CA 921131234, SAN DIEGO, CA 92113-1234 |
| Document Number | 468039 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 468039 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 9, 2047 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Mountain Empire Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $545,471 (+2%) Land $319,160 Building $226,311 | |
| 2025 | $5,874.00 (+4.06%) | $534,776 (+4.04%) Land $312,902 Building $221,874 |
| 2023 | $5,645.00 (-1.47%) | $514,011 Land $300,752 Building $213,259 |
| 2022 | $5,729.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 99.9% of the US · above 99.8% of California |
|---|---|
| Wildfire Likelihood | 7% annual chance |
| Exposure | Direct burnable vegetation |
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.
Source: FCC Broadband Data Collection, based on 41 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 | 10 / 1 |
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