1153 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1153 Rachel Cir, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,627 sqft · built 1990
Lot Size	0.137 acres (5,961 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,575 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-38-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-38-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,627 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	5,961 sqft (0.137 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1153 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 38 TR 012250
Legal Subdivision	SAN DIEGO #4633-2
Legal Tract	012250
Legal Block	3
Legal Lot Number	38
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20305

Owner

1153 Rachel Cir is owned and occupied by two individuals who acquired it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1153 RACHEL CIR, ESCONDIDO, CA 92026-2152
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
Jan 27, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 31, 2020	Quit Claim Deed, Transfer · VA Mortgage LOANUNITEDCOM LLC
Apr 6, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020
Deed Sale	Aug 31, 2020
Prior Sale	Jun 19, 2003 · Amount on File
Deed Document Number	2020498462
Prior Transfer Date	Aug 24, 2020
Prior Transfer Doc	0000498462
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1153 RACHEL CIR, ESCONDIDO, CA 92026-2152
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1153 RACHEL CIR, ESCONDIDO, CA 92026-2152

Mortgage

Document Number	0000022909
Date	Jan 27, 2023
Instrument	2023-0022909

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	477 Months
Due	Oct 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2020
Property Address	1153 RACHEL CIR, ESCONDIDO, CA 92026-2152
Document Number	0000498462
Instrument Date	Aug 24, 2020
Instrument	498462
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC

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	1153 RACHEL CIR ESCONDIDO CA 920262152, ESCONDIDO, CA 92026-2152

Mortgage

Document Number	498463
Date	Aug 31, 2020
Instrument	498463

Lender

Name	LOANUNITEDCOM LLC
Address	NORCROSS, GA 30093

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 6, 2020
Property Address	1153 RACHEL CIR, ESCONDIDO, CA 92026-2152
Document Number	0000173966
Instrument Date	Mar 19, 2020
Instrument	173966
Transaction Type	Transfer
Record Updated	Apr 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1153 RACHEL CIR ESCONDIDO CA 920262152, ESCONDIDO, CA 92026-2152

Tax Assessment & Valuation

The 2025 property tax bill for 1153 Rachel Cir was $5,575 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		$509,632 (+2%) Land $265,895 Building $243,737
2025	$5,575.00 Homeowner's exemption	$499,640 Land $260,682 Building $238,958
2023	$5,328.00 (+1.27%) Homeowner's exemption	$480,240 Land $250,560 Building $229,680
2022	$5,261.00

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

Flood

FEMA maps place 1153 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 1153 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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