1045 Howard Ave, Escondido, CA 92029 Property Records

San Diego County property record for 1045 Howard Ave, Escondido, CA 92029

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,768 sqft · built 1957
Lot Size	0.418 acres (18,221 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Nov 2025)
Tax Bill	$6,743 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`232-371-28-00`

Property Details

APN / Parcel Number

Primary APN	`232-371-28-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,768 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	18,221 sqft (0.418 acres)

Location & Zoning

Street Address	1045 HOWARD AVE
City	ESCONDIDO
State	CA
Zip	92029-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	PAR 1 TR PM16160
Legal Subdivision	CITY OF ESCONDIDO
Legal Tract	16160
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	20313

Owner

Source: San Diego County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Grant Deed, Transfer · Conventional Mortgage KELLY STEPHENS MORTGAGE INC
Dec 15, 2023	Intrafamily Transfer, Transfer · Commercial Mortgage NADINE HADDAD IRA
Jul 18, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 7, 2021	Grant Deed, Transfer · Commercial Mortgage LOWE FAMILY TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Jul 18, 2022
Deed Document Number	2025335191
Prior Transfer Date	Dec 11, 2023
Prior Transfer Doc	0000345922
Record Updated	Oct 29, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 25, 2025
Property Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022
Document Number	0000335191
Map Reference	MAP 90-398169
Instrument Date	Nov 19, 2025
Instrument	2025-0335191
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022

Mortgage

Document Number	0000335192
Date	Nov 25, 2025
Instrument	2025-0335192

Lender

Name	KELLY STEPHENS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 15, 2023
Property Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022
Document Number	0000345922
Map Reference	FILE 90-398169
Instrument Date	Dec 11, 2023
Instrument	2023-0345922
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022

Mortgage

Document Number	0000345924
Date	Dec 15, 2023
Instrument	2023-0345924

Lender

Name	NADINE HADDAD IRA
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2025

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2022
Property Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022
Document Number	0000294438
Map Reference	FILE 90-398169
Instrument Date	Apr 12, 2022
Instrument	2022-0294438
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022

Mortgage

Document Number	0000294439
Date	Jul 18, 2022
Instrument	2022-0294439

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 7, 2021
Property Address	1045 HOWARD AVE, ESCONDIDO, CA 92029-2022
Document Number	0000418867
Map Reference	FILE 90-398169
Instrument Date	May 5, 2021
Instrument	2021-0418867
Transaction Type	Transfer
Record Updated	Jun 17, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transaction

Amount	Amount Recorded
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
Address	13829 CHARLAN RD, VALLEY CENTER, CA 92082-6523

Mortgage

Document Number	0000418868
Date	Jun 7, 2021
Instrument	2021-0418868

Lender

Name	LOWE FAMILY TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$795,000 (+33.54%) Land $650,456 Building $144,544
2025	$6,743.00 (+4.48%) Homeowner's exemption	$595,335 (+4.04%) Land $487,093 Building $108,242
2023	$6,454.00 (-0.15%) Homeowner's exemption	$572,220 Land $468,180 Building $104,040
2022	$6,464.00

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	RINCON DEL DIABLO MWD (ID-1) serves 28,427 people · EPA ID CA3710018
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, T-Mobile, Verizon.

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