1149 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1149 Rachel Cir, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,657 sqft · built 1990
Lot Size	0.146 acres (6,370 sqft)
Owner	Company Name on File
Last Sale	$162,000 (Jul 1989)
Tax Bill	$3,308 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`226-780-37-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-37-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,657 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	6,370 sqft (0.146 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1149 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 37 TR 012250
Legal Subdivision	ESCONDIDO 4633-2
Legal Tract	012250
Legal Block	3
Legal Lot Number	37
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20305

Owner

1149 Rachel Cir is owned by a company that acquired it in June 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1149 RACHEL CIR, ESCONDIDO, CA 92026-2152
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Feb 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage NATIONWIDE EQUITIES CORPORATION
Jun 19, 2020	Reverse Mortgage, Transfer · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 1989 · Amount on File
Deed Sale	Jul 20, 1989 · Amount on File
Deed Document Number	1989381797
Last Transfer Date	Jun 13, 2020
Transfer Doc	0000321004
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1149 RACHEL CIR, ESCONDIDO, CA 92026-2152
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1149 RACHEL CIR, ESCONDIDO, CA 92026-2152

Mortgage

Document Number	0000048406
Date	Feb 1, 2022
Instrument	2022-0048406

Lender

Name	NATIONWIDE EQUITIES CORPORATION
Type	Non-Lending Institution
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.33%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.33%

June 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 19, 2020
Property Address	1149 RACHEL CIR, ESCONDIDO, CA 92026-2152
Document Number	0000321004
Instrument Date	Jun 13, 2020
Instrument	321004
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	FNC TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1149 RACHEL CIR ESCONDIDO CA 920262152, ESCONDIDO, CA 92026-2152

Mortgage

Document Number	321005
Date	Jun 19, 2020
Instrument	321005

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Jun 18, 2095

Interest

Rate Type	Adjustable Rate
Rate	2.71%

Mortgage

Document Number	321006,
Date	Jun 19, 2020
Instrument	321006

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Jun 18, 2095

Interest

Rate Type	Adjustable Rate
Rate	2.71%

Tax Assessment & Valuation

The 2025 property tax bill for 1149 Rachel Cir was $3,308 with a homeowner's exemption.

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		$303,969 (+2%) Land $120,082 Building $183,887
2025	$3,308.00 Homeowner's exemption	$298,010 Land $117,728 Building $180,282
2023	$3,160.00 (+1.31%) Homeowner's exemption	$286,440 Land $113,157 Building $173,283
2022	$3,119.00

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

Flood

FEMA maps place 1149 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 1149 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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