1104 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1104 Rachel Cir, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,627 sqft · built 1990
Lot Size	0.15 acres (6,541 sqft)
Owner	Individual Name on File
Last Sale	$775,000 (Aug 2025)
Tax Bill	$703 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-15-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-15-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,627 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	6,541 sqft (0.15 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1104 RACHEL CIR
City	ESCONDIDO
State	CA
Zip	92026-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 15 TR 012156
Legal Subdivision	ESCONDIDO 4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1104 Rachel Cir is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 28, 2023	Intrafamily Transfer, Transfer
Mar 8, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Dec 29, 2020	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Dec 22, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2025 · Amount on File
Deed Sale	Aug 15, 2025 · Amount on File
Prior Sale	Sep 30, 2011 · Amount on File
Deed Document Number	2025226284
Prior Transfer Date	Sep 18, 2023
Prior Transfer Doc	0000263087
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000280452
Date	Oct 8, 2025
Instrument	2025-0280452

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2023
Property Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000263087
Map Reference	MAP 12156
Instrument Date	Sep 18, 2023
Instrument	2023-0263087
Transaction Type	Transfer
Record Updated	Oct 9, 2023

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	Family Trust
Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000102888
Date	Mar 8, 2022
Instrument	2022-0102888

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.76%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.76%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000839795
Date	Dec 29, 2020
Instrument	2020-0839795

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	818 Months
Due	Feb 8, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.34%
Type Change Date	Feb 1, 2021
Change Frequency	Monthly
Index	1-Year LIBOR
Max Rate	12.3%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1104 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000839796
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1104 RACHEL CIR ESCONDIDO CA 920262149, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000839796
Date	Dec 29, 2020
Instrument	839796

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	828 Months
Due	Dec 28, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.34%

Tax Assessment & Valuation

The 2025 property tax bill for 1104 Rachel Cir was $703, up 2.3% from the year before.

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		$775,000 (+1,069.97%) Land $575,000 Building $200,000
2025	$703.00 (+2.33%)	$66,241 Land $26,304 Building $39,937
2024	$687.00 (+2.84%)
2023	$668.00 (+1.52%) Homeowner's exemption	$63,671 Land $25,284 Building $38,387
2022	$658.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1104 Rachel Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1980.

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	3 (1980–1982)
Most Recent Claim	Feb 1982 · 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 1104 Rachel Cir 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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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	VALLECITOS WD serves 114,700 people · EPA ID CA3710002
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 345 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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