1128 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1128 Rachel Cir, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,475 sqft · built 1990
Lot Size	0.102 acres (4,423 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Dec 2019)
Tax Bill	$6,983 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`226-780-20-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-20-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,475 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,423 sqft (0.102 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1128 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 20 TR 012156
Legal Subdivision	COUNTY OF SAN DIEGO TRACT #4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1128 Rachel Cir is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1128 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 18, 2019	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
May 12, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LENDIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2019 · Amount on File
Deed Sale	Dec 18, 2019 · Amount on File
Prior Sale	Feb 24, 2011 · Amount on File
Deed Document Number	2019593466
Prior Transfer Date	May 8, 2017
Prior Transfer Doc	0000215532
Record Updated	Oct 29, 2026

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 18, 2019
Property Address	1128 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000593466
Map Reference	MAP 12156
Instrument Date	Nov 18, 2019
Instrument	2019-0593466
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount 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	11128 RACHEL CIR, ESCONDIDO, CA 92069

Mortgage

Document Number	0000593467
Date	Dec 18, 2019
Instrument	2019-0593467

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000593469
Date	Dec 18, 2019
Instrument	2019-0593469

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2049

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2017
Property Address	1128 RACHEL CIR, ESCONDIDO, CA 92026-2149
Document Number	0000215532
Instrument Date	May 8, 2017
Instrument	215532
Transaction Type	Transfer
Record Updated	May 18, 2017
Title Company	SERVICELINK

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	1128 RACHEL CIR ESCONDIDO CA 920262149, ESCONDIDO, CA 92026-2149

Mortgage

Document Number	215533
Date	May 12, 2017
Instrument	215533

Lender

Name	LENDIA
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1128 Rachel Cir was $6,983.

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		$630,262 (+2%) Land $264,443 Building $365,819
2025	$6,983.00	$617,905 Land $259,258 Building $358,647
2023	$6,678.00 (+1.26%)	$593,913 Land $249,192 Building $344,721
2022	$6,595.00

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

Flood

FEMA maps place 1128 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 1128 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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