1124 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1124 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	0.106 acres (4,627 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Jan 2020)
Tax Bill	$6,965 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-19-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-19-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,627 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Lot Area	4,627 sqft (0.106 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1124 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 19 TR 012156
Legal Subdivision	COUNTY OF SAN DIEGO TRACT #4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1124 Rachel Cir is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1124 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 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 24, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2020 · Amount on File
Deed Sale	Jan 24, 2020 · Amount on File
Prior Sale	Jan 10, 2013 · Amount on File
Deed Document Number	202040226
Prior Transfer Date	Dec 11, 1996
Prior Transfer Doc	0000654365
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1124 RACHEL CIR, ESCONDIDO, CA 92026-2149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 RACHEL CIR, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000782222
Date	Dec 7, 2020
Instrument	2020-0782222

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, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 24, 2020
Property Address	1124 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000040226
Map Reference	MAP 12156
Instrument Date	Dec 26, 2019
Instrument	2020-0040226
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

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	1124 RACHEL CIR, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000040227
Date	Jan 24, 2020
Instrument	2020-0040227

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1124 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000483729
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 RACHEL CIR ESCONDIDO CA 920262149, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	0000483729
Date	Nov 21, 2018
Instrument	483729

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1124 Rachel Cir was $6,965 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		$635,839 (+2%) Land $211,944 Building $423,895
2025	$6,965.00 Homeowner's exemption	$623,373 Land $207,789 Building $415,584
2023	$6,658.00 (+1.28%) Homeowner's exemption	$599,169 Land $199,721 Building $399,448
2022	$6,574.00

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

Flood

FEMA maps place 1124 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 1124 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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