103 S Mercedes Rd, Fallbrook, CA 92028 Property Records

San Diego County property record for 103 S Mercedes Rd, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 1995
Lot Size	0.157 acres (6,832 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Nov 2024)
Tax Bill	$7,810 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-445-43-00`

Property Details

APN / Parcel Number

Primary APN	`105-445-43-00`
Alternative APNs	`1054437400` `1054452600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,620 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	6,832 sqft (0.157 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1054452600
Street Address	103 S MERCEDES RD
City	FALLBROOK
State	CA
Zip	92028-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 26 PAR D PER DOC95-229870 IN SWQ OF NEQ OF SEC 19-9-3W&IN TR 013089
Legal Range	03W
Legal Township	09
Legal Section	19
Legal Subdivision	FALLBROOK 4937
Legal Tract	013089
Legal Block	4
Legal Lot Number	26
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	4
Census Block	4000
Census Tract	18904

Owner

103 S Mercedes Rd is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	103 S MERCEDES RD, FALLBROOK, CA 92028-2400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Apr 11, 2023	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
Sep 4, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Prior Sale	Sep 4, 2020 · Amount on File
Deed Document Number	2024315306
Prior Transfer Date	Jan 29, 2003
Prior Transfer Doc	0000129168
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	103 S MERCEDES RD, FALLBROOK, CA 92028-2400
Transaction Type	Mortgage
Record Updated	Apr 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S MERCEDES RD, FALLBROOK, CA 92028-2400

Mortgage

Document Number	0000093439
Date	Apr 11, 2023
Instrument	2023-0093439

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 10, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 4, 2020
Property Address	103 S MERCEDES RD, FALLBROOK, CA 92028-2400
Document Number	0000516908
Map Reference	MAP 13089
Instrument Date	Aug 14, 2020
Instrument	2020-0516908
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	103 S MERCEDES RD, FALLBROOK, CA 92028-2400

Mortgage

Document Number	0000516909
Date	Sep 4, 2020
Instrument	2020-0516909

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 103 S Mercedes Rd was $7,810.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$739,499 (+2%) Land $305,039 Building $434,460
2025	$7,810.00	$725,000 Land $299,058 Building $425,942
2023	$5,697.00 (-0.05%)	$535,804 Land $221,016 Building $314,788
2022	$5,700.00

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

Flood

FEMA maps place 103 S Mercedes Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2004 · rainfall accumulation

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.

Wildfire

Wildfire risk around 103 S Mercedes Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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	FALLBROOK PUD serves 35,237 people · EPA ID CA3710008
Water Source	Purchased surface water from several systems
Lead	1 ppb (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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, Verizon.

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