1193 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1193 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	0.123 acres (5,351 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (Jan 2026)
Tax Bill	$5,919 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-48-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-48-00`

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	5,351 sqft (0.123 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1193 RACHEL CIR
City	ESCONDIDO
State	CA
Zip	92026-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 48 TR 012250
Legal Subdivision	SAN DIEGO #4633-2
Legal Tract	012250
Legal Block	3
Legal Lot Number	48
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20305

Owner

1193 Rachel Cir is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154
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 28, 2026	Grant Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Aug 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2026 · Amount on File
Deed Sale	Jan 28, 2026 · Amount on File
Prior Sale	Jan 25, 2011 · Amount on File
Deed Document Number	202624217
Prior Transfer Date	Jul 20, 2021
Prior Transfer Doc	0000569980
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 28, 2026
Property Address	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154
Document Number	0000024217
Map Reference	MAP 12250
Instrument Date	Jan 16, 2026
Instrument	2026-0024217
Transaction Type	Transfer
Record Updated	Feb 5, 2026
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

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	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154

Mortgage

Document Number	0000024218
Date	Jan 28, 2026
Instrument	2026-0024218

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

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

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2021
Property Address	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154
Document Number	0000569980
Map Reference	MAP 12250
Instrument Date	Jul 20, 2021
Instrument	2021-0569980
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	TICOR TITLE COMPANY

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
Address	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154

Mortgage

Document Number	0000569981
Date	Aug 10, 2021
Instrument	2021-0569981

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1193 RACHEL CIR, ESCONDIDO, CA 92026-2154

Mortgage

Document Number	0000493656
Date	Aug 28, 2020
Instrument	2020-0493656

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	246 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 1193 Rachel Cir was $5,919.

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		$533,708 (+2%) Land $380,004 Building $153,704
2025	$5,919.00	$523,244 Land $372,553 Building $150,691
2023	$5,660.00 (+39.86%)	$502,929 Land $358,088 Building $144,841
2022	$4,047.00

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

Flood

FEMA maps place 1193 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 1193 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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