1140 Harding St, Escondido, CA 92027 Property Records

San Diego County property record for 1140 Harding St, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1971
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Mar 2024)
Tax Bill	$9,455 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-352-05-00`

Property Details

APN / Parcel Number

Primary APN	`227-352-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,300 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	8,100 sqft (0.186 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1140 HARDING ST
City	ESCONDIDO
State	CA
Zip	92027-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	LOT 4 TR 006554
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	006554
Legal Block	4
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4003
Census Tract	20109

Owner

1140 Harding St is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1140 HARDING ST, ESCONDIDO, CA 92027-1409
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
Mar 18, 2024	Grant Deed, Transfer · VA Mortgage THE LOAN STORE INC
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2024 · Amount on File
Deed Sale	Mar 18, 2024 · Amount on File
Prior Sale	Sep 30, 2009 · Amount on File
Deed Document Number	202467704
Prior Transfer Date	Dec 19, 2006
Prior Transfer Doc	0000006543
Record Updated	Oct 29, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2024
Property Address	1140 HARDING ST, ESCONDIDO, CA 92027-1409
Document Number	0000067704
Map Reference	MAP 6554
Instrument Date	Mar 12, 2024
Instrument	2024-0067704
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	1140 HARDING ST, ESCONDIDO, CA 92027-1409

Mortgage

Document Number	0000067705
Date	Mar 18, 2024
Instrument	2024-0067705

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1140 HARDING ST, ESCONDIDO, CA 92027-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300568
Date	Jul 3, 2017
Instrument	2017-0300568

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	ESCONDIDO, CA 92027

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 27, 2037

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17.2%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1140 HARDING ST, ESCONDIDO, CA 92027-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000290249
Date	Jun 8, 2020
Instrument	2020-0290249

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1140 Harding St was $9,455, up 191.6% 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		$842,722 (+2%) Land $378,750 Building $463,972
2025	$9,455.00 (+191.64%)	$826,199 Land $371,324 Building $454,875
2024	$3,242.00 (+2.34%)
2023	$3,168.00 (+1.08%)	$276,039 Land $124,062 Building $151,977
2022	$3,134.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1140 Harding St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1140 Harding St 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 93% of the US · lower than 96% 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	CITY OF ESCONDIDO serves 137,044 people · EPA ID CA3710006
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	1 ppb (2022–2024) 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 736 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
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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