1145 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1145 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	0.143 acres (6,216 sqft)
Owner	2 Individual Names on File
Last Sale	$333,000 (Jan 2013)
Tax Bill	$4,646 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-36-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-36-00`

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	6,216 sqft (0.143 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1145 RACHEL CIR
City	ESCONDIDO
State	CA
Zip	92026-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 36 TR 012250
Legal Subdivision	SAN DIEGO #4633-2
Legal Tract	012250
Legal Block	3
Legal Lot Number	36
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20305

Owner

1145 Rachel Cir is owned by two individuals who bought it in January 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	13657 ROSTRATA RD, POWAY, CA 92064-1723
Owner Type	Individual
Vesting	Community Property

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 8, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Jan 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2013 · Amount on File
Deed Sale	Jan 25, 2013 · Amount on File
Prior Sale	Oct 4, 2012 · Amount on File
Deed Document Number	201354709
Prior Transfer Date	Jan 3, 1996
Prior Transfer Doc	0000122716
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1145 RACHEL CIR, ESCONDIDO, CA 92026-2152
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13657 ROSTRATA RD, VIENNA, VA 22180

Mortgage

Document Number	0000345413
Date	Dec 8, 2025
Instrument	2025-0345413

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jan 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1145 RACHEL CIR, ESCONDIDO, CA 92026-2152
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13657 ROSTRATA RD, POWAY, CA 92064-1723

Mortgage

Document Number	0000267658
Date	Apr 6, 2021
Instrument	2021-0267658

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1145 RACHEL CIR, ESCONDIDO, CA 92026-2152
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13657 ROSTRATA RD, POWAY, CA 92064-1723

Mortgage

Document Number	0000036436
Date	Jan 31, 2019
Instrument	2019-0036436

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1145 Rachel Cir was $4,646.

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		$418,253 (+2%) Land $167,301 Building $250,952
2025	$4,646.00	$410,053 Land $164,021 Building $246,032
2023	$4,443.00 (+1.25%)	$394,131 Land $157,652 Building $236,479
2022	$4,388.00

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

Flood

FEMA maps place 1145 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 1145 Rachel Cir is low, with 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	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 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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