1140 Gary Ln, Escondido, CA 92026 Property Records

San Diego County property record for 1140 Gary Ln, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,300 sqft
Lot Size	0.366 acres (15,963 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Feb 2026)
Tax Bill	$9,878 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`224-280-66-00`

Property Details

APN / Parcel Number

Primary APN	`224-280-66-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Building Area	3,300 sqft Living Area

Exterior

Lot Area	15,963 sqft (0.366 acres)

Location & Zoning

Street Address	1140 GARY LN
City	ESCONDIDO
State	CA
Zip	92026-1658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	PAR 3 TR PM20155
Legal Subdivision	CITY OF ESCONDIDO
Legal Tract	1020155
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1026
Census Tract	20304

Owner

1140 Gary Ln is owned by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4901 MORENA BLVD, 802, SAN DIEGO, CA 92117-7331
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 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 17, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 20, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 11, 2019	Deed of Trust, Mortgage · Construction Mortgage COMPASS BANK
Oct 8, 2018	Grant Deed, Transfer MICHAEL P MONTEMURO
Sep 22, 2017	Trustee's Deed, Construction Loan · Construction Mortgage DUBOIS G & B S TR (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on File
Deed Sale	Feb 17, 2026 · Amount on File
Prior Sale	Oct 8, 2018 · Amount on File
Deed Document Number	202642621
Prior Transfer Date	Jan 13, 2022
Prior Transfer Doc	0000028287
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1140 GARY LN, ESCONDIDO, CA 92026-1658
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 GARY LN, ESCONDIDO, CA 92026-1658

Mortgage

Document Number	0000364002
Date	Dec 26, 2025
Instrument	2025-0364002

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 17, 2026
Property Address	1140 GARY LN, ESCONDIDO, CA 92026-1658
Document Number	0000042621
Instrument Date	Jan 16, 2026
Instrument	2026-0042621
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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	4901 MORENA BLVD STE 802, 802, SAN DIEGO, CA 92117-7331

Mortgage

Document Number	0000042622
Date	Feb 17, 2026
Instrument	2026-0042622

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 20, 2022
Property Address	1140 GARY LN, ESCONDIDO, CA 92026-1658
Document Number	0000028287
Instrument Date	Jan 15, 2022
Instrument	2022-0028287
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

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	Community Property with Right of Survivorship
Address	1140 GARY LN, ESCONDIDO, CA 92026-1658

Mortgage

Document Number	0000028288
Date	Jan 20, 2022
Instrument	2022-0028288

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1140 GARY LN, ESCONDIDO, CA 92026-1658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9482 DEANLY ST, LAKESIDE, CA 92040-4856

Mortgage

Document Number	0000048789
Date	Feb 11, 2019
Instrument	2019-0048789

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Margin	2
Max Rate	9.62%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 8, 2018
Property Address	1140 GARY LN, ESCONDIDO, CA 92026-1658
Document Number	0000417472
Instrument Date	Oct 4, 2018
Instrument	417472
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9482 DEANLY ST LAKESIDE CA 920404856, LAKESIDE, CA 92040-4856

Mortgage

Document Number	417473
Date	Oct 8, 2018
Instrument	417473

Lender

Name	MICHAEL P MONTEMURO
Address	5773 CAMINO DEL CIELO, BONSALL, CA 92003-3712
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2017
Property Address	1140 GARY LN, ESCONDIDO, CA 92026-1658
Instrument Date	Sep 19, 2017
Instrument	434728
Transaction Type	Construction Loan
Record Updated	Sep 29, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 1385 VISTA CA 920851385, VISTA, CA 92085-1385

Mortgage

Document Number	0000434728
Date	Sep 22, 2017
Instrument	434728

Lender

Name	DUBOIS G & B S TR (PT)
Address	PO BOX 421217, SAN DIEGO, CA 92142-1217

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1140 Gary Ln was $9,878, up 2.1% 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
Municipality	Escondido City
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		$887,622 (+2%) Land $170,671 Building $716,951
2025	$9,878.00 (+2.1%) Homeowner's exemption	$870,219 Land $167,325 Building $702,894
2024	$9,675.00 (+2.23%)
2023	$9,464.00 (+22.01%) Homeowner's exemption	$836,429 Land $160,829 Building $675,600
2022	$7,757.00

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

Flood

FEMA maps place 1140 Gary Ln in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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 1140 Gary Ln is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 63% of California
Wildfire Likelihood	0.2% 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	RINCON DEL DIABLO MWD (ID-1) serves 28,427 people · EPA ID CA3710018
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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