10478 Oak Ranch Pl, Escondido, CA 92026 Property Records

San Diego County property record for 10478 Oak Ranch Pl, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,343 sqft · built 1991
Lot Size	0.41 acres (17,843 sqft)
Owner	2 Company Names on Record
Last Sale	$249,500 (Jun 1997)
Tax Bill	$5,442 (2025)
Deeds & Mortgages	Nov 2023 Reverse Mortgage Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`186-502-36-00`

Property Details

APN / Parcel Number

Primary APN	`186-502-36-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,343 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	17,843 sqft (0.41 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10478 OAK RANCH PL
City	ESCONDIDO
State	CA
Zip	92026-6961
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PAR 3 TR PM13741
Legal Subdivision	P13741
Legal Tract	13741
Legal Block	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	4
Census Block	4015
Census Tract	19105

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage INTELLILOAN INC
Oct 4, 2023	Quit Claim Deed, Transfer Quitclaim
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Apr 27, 2018	Quit Claim Deed, Transfer CHRONOS TITLE INC
Apr 27, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 1997 · Amount on Record
Deed Sale	Jun 26, 1997 · Amount on Record
Prior Sale	Mar 31, 1995 · Amount on Record
Deed Document Number	1997301858
Prior Transfer Date	Dec 8, 1995
Prior Transfer Doc	0000072454
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2023
Property Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961
Document Number	0000326616
Map Reference	FILE 85-107602
Instrument Date	Nov 6, 2023
Instrument	2023-0326616
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	PLACER 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
Relationship	Revocable Trust
Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961

Mortgage

Document Number	0000326617
Date	Nov 27, 2023
Instrument	2023-0326617

Lender

Name	INTELLILOAN INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	986 Months
Due	Jan 12, 2106

Interest

Rate Type	Adjustable Rate
Rate	7.95%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.9%

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 4, 2023
Property Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961
Document Number	0000268794
Map Reference	FILE 85-107602
Instrument Date	Oct 2, 2023
Instrument	2023-0268794
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231678
Date	May 7, 2020
Instrument	2020-0231678

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2018
Property Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961
Document Number	0000168689
Instrument Date	Apr 19, 2018
Instrument	168689
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	CHRONOS TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10478 OAK RANCH PL ESCONDIDO CA 920266961, ESCONDIDO, CA 92026-6961

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2018
Property Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961
Document Number	0000168690
Map Reference	FILE 85-107602
Instrument Date	Apr 19, 2018
Instrument	2018-0168690
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHRONOS TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10478 OAK RANCH PL, ESCONDIDO, CA 92026-6961

Mortgage

Document Number	0000168691
Date	Apr 27, 2018
Instrument	2018-0168691

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$414,456 (+2%) Land $140,362 Building $274,094
2025	$5,442.00 (+5.2%) Homeowner's exemption	$406,330 (+4.04%) Land $137,610 Building $268,720
2023	$5,173.00 (+1.63%) Homeowner's exemption	$390,553 Land $132,267 Building $258,286
2022	$5,090.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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	VALLEY CENTER MWD serves 30,166 people · EPA ID CA3710026
Water Source	Purchased surface water from SAN DIEGO COUNTY WATER AUTHORITY
Last State Inspection	Apr 2021
Lead	4 ppb (2020–2022) 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Orion Broadband, San Diego Broadband.

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