1020 Harding St, Escondido, CA 92027 Property Records

San Diego County property record for 1020 Harding St, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,623 sqft · built 1971
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Trust Names on File
Last Sale	$755,000 (Oct 2023)
Tax Bill	$8,816 (2025)
Deeds & Mortgages	Oct 2023 Sale Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`227-352-13-00`

Property Details

APN / Parcel Number

Primary APN	`227-352-13-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,623 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	7,700 sqft (0.177 acres)

Location & Zoning

Street Address	1020 HARDING ST
City	ESCONDIDO
State	CA
Zip	92027-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	LOT 12 TR 006554
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	006554
Legal Block	4
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4003
Census Tract	20109

Owner

1020 Harding St is held in a trust since October 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	1927 CONWAY DR, ESCONDIDO, CA 92026-1514
Owner Type	Company
Vesting	Trust, Family Living Trust

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 26, 2023	Grant Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE COMPANY INC
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 27, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 2, 2020	Grant Deed, Transfer · VA Mortgage MORTGAGEONE INC
Oct 11, 2019	Grant Deed, Transfer · VA Mortgage AXOS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Nov 2, 2020 · Amount on File
Deed Document Number	2023293509
Prior Transfer Date	May 26, 2006
Prior Transfer Doc	0000441283
Record Updated	Oct 29, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 26, 2023
Property Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407
Document Number	0000293509
Map Reference	MAP 6554
Instrument Date	Oct 9, 2023
Instrument	2023-0293509
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1927 CONWAY DR, ESCONDIDO, CA 92026-1514

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	1927 CONWAY DR, ESCONDIDO, CA 92026-1514

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407

Mortgage

Document Number	0000366604
Date	Sep 16, 2022
Instrument	2022-0366604

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Aug 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407

Mortgage

Document Number	0000611953
Date	Aug 27, 2021
Instrument	2021-0611953

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 2, 2020
Property Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407
Document Number	0000679576
Map Reference	MAP 6554
Instrument Date	Oct 13, 2020
Instrument	2020-0679576
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount 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	Joint Tenants
Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407

Mortgage

Document Number	0000679577
Date	Nov 2, 2020
Instrument	2020-0679577

Lender

Name	MORTGAGEONE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 11, 2019
Property Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407
Document Number	0000459443
Map Reference	MAP 6554
Instrument Date	Sep 20, 2019
Instrument	2019-0459443
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount 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	Joint Tenants
Address	1020 HARDING ST, ESCONDIDO, CA 92027-1407

Mortgage

Document Number	0000459444
Date	Oct 11, 2019
Instrument	2019-0459444

Lender

Name	AXOS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1020 Harding St was $8,816.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Escondido City
Elementary School District	Escondido Union Elementary School District (KG - 08)
Secondary School District	Escondido Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$785,500 (+2%) Land $273,192 Building $512,308
2025	$8,816.00	$770,099 Land $267,836 Building $502,263
2023	$6,335.00 (+1.09%) Homeowner's exemption	$561,814 Land $195,396 Building $366,418
2022	$6,267.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1020 Harding St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1020 Harding St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CITY OF ESCONDIDO serves 137,044 people · EPA ID CA3710006
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 736 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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