1120 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1120 Rachel Cir, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,657 sqft · built 1990
Lot Size	0.1 acres (4,372 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Oct 2017)
Tax Bill	$6,545 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`226-780-18-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-18-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,657 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,372 sqft (0.1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1120 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 18 TR 012156
Legal Subdivision	COUNTY OF SAN DIEGO TRACT #4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	18
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1120 Rachel Cir is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1120 RACHEL CIR, ESCONDIDO, CA 92026-2149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 3, 2017	Grant Deed, Transfer · FHA Mortgage NEIGHBORS FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on File
Deed Sale	Oct 3, 2017 · Amount on File
Prior Sale	Nov 20, 2013 · Amount on File
Deed Document Number	2017456323
Prior Transfer Date	Apr 2, 1996
Prior Transfer Doc	0000217756
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1120 RACHEL CIR, ESCONDIDO, CA 92026-2149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SYNRGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000589260
Date	Dec 17, 2019
Instrument	2019-0589260

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 3, 2017
Property Address	1120 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000456323
Map Reference	MAP12156
Instrument Date	Aug 24, 2017
Instrument	2017-0456323
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	1120 RACHEL CIR, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000456324
Date	Oct 3, 2017
Instrument	2017-0456324

Lender

Name	NEIGHBORS FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1120 Rachel Cir was $6,545 with a homeowner's exemption.

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		$597,693 (+2%) Land $272,918 Building $324,775
2025	$6,545.00 Homeowner's exemption	$585,974 Land $267,567 Building $318,407
2023	$6,256.00 (+1.28%) Homeowner's exemption	$563,222 Land $257,178 Building $306,044
2022	$6,177.00

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

Flood

FEMA maps place 1120 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 1120 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 99.1% of the US · lower than 99.2% 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	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 580 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

May also be available: AT&T, Spectrum.

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