1125 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1125 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	0.117 acres (5,088 sqft)
Owner	2 Trust Names on File
Tax Bill	$9,302 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-28-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-28-00`

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	5,088 sqft (0.117 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1125 RACHEL CIR
City	ESCONDIDO
State	CA
Zip	92026-2150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 28 TR 012156
Legal Subdivision	SAN DIEGO #4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20305

Owner

1125 Rachel Cir is owner-occupied and held in a trust since September 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Sep 22, 2025	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 5, 2024	Intrafamily Transfer, Transfer
Sep 14, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Aug 24, 2017	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2025
Deed Sale	Sep 22, 2025
Prior Sale	Sep 14, 2023 · Amount on File
Deed Document Number	2025263360
Prior Transfer Date	Dec 27, 2023
Prior Transfer Doc	0000003683
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2025
Property Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150
Document Number	0000263360
Map Reference	MAP 12156
Instrument Date	Sep 17, 2025
Instrument	2025-0263360
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150

Mortgage

Document Number	0000263361
Date	Sep 22, 2025
Instrument	2025-0263361

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 5, 2024
Property Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150
Document Number	0000003683
Map Reference	MAP 12156
Instrument Date	Dec 27, 2023
Instrument	2024-0003683
Transaction Type	Transfer
Record Updated	Jan 15, 2024

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	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2023
Property Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150
Document Number	0000250239
Map Reference	MAP 12156
Instrument Date	Aug 9, 2023
Instrument	2023-0250239
Transaction Type	Transfer
Record Updated	Sep 25, 2023
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 with Right of Survivorship
Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150

Mortgage

Document Number	0000250240
Date	Sep 14, 2023
Instrument	2023-0250240

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150
Document Number	0000534548
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1125 RACHEL CIR ESCONDIDO CA 920262150, ESCONDIDO, CA 92026-2150

Mortgage

Document Number	0000534548
Date	Sep 14, 2020
Instrument	534548

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2017
Property Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150
Document Number	0000388522
Map Reference	MAP12156
Instrument Date	Jul 18, 2017
Instrument	2017-0388522
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	Community Property with Right of Survivorship
Address	1125 RACHEL CIR, ESCONDIDO, CA 92026-2150

Mortgage

Document Number	0000388523
Date	Aug 24, 2017
Instrument	2017-0388523

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1125 Rachel Cir was $9,302.

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		$847,924 (+2%) Land $390,804 Building $457,120
2025	$9,302.00 Homeowner's exemption	$831,299 Land $383,142 Building $448,157
2023	$6,396.00 (+1.25%)	$568,691 Land $262,107 Building $306,584
2022	$6,317.00

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

Flood

FEMA maps place 1125 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 1125 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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