12451 Rancho Heights Rd, Pala, CA 92059 Property Records

San Diego County property record for 12451 Rancho Heights Rd, Pala, CA 92059

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2018
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (May 2018)
Tax Bill	$9,791 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2020 Mortgage + 4 more
Flood Zone	Zone D (undetermined)
APN	`109-402-28-00`

Property Details

APN / Parcel Number

Primary APN	`109-402-28-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,662 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	108,900 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	12451 RANCHO HEIGHTS RD
City	PALA
State	CA
Zip	92059-1848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 2-9-2W SWQ 2.50 AC PAR PER ROS 16743 IN W H OF
Legal Range	02W
Legal Township	09
Legal Section	02
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	PAUMA VALLEY
Census Block Group	2
Census Block	2008
Census Tract	19108

Owner

12451 Rancho Heights Rd is owned and occupied by two individuals who bought it in May 2018.

Source: San Diego County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Occupancy	Owner Occupied
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
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
May 12, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARSONS FEDERAL CU
May 1, 2018	Grant Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 10, 2017	Grant Deed, Transfer · Conventional Mortgage ERIC C WENDT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2018 · Amount on File
Deed Sale	May 1, 2018 · Amount on File
Prior Sale	May 10, 2017 · Amount on File
Deed Document Number	2018172485
Prior Transfer Date	Apr 23, 2018
Prior Transfer Doc	0000172485
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422620
Date	Jul 31, 2020
Instrument	2020-0422620

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051860
Date	Jan 31, 2020
Instrument	2020-0051860

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848

Mortgage

Document Number	0000107402
Date	Feb 11, 2021
Instrument	2021-0107402

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000363494
Date	May 12, 2021
Instrument	2021-0363494

Lender

Name	PARSONS FEDERAL CU
Type	Credit Union
Address	PASADENA, CA 91124

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Apr 25, 2036

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2018
Property Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Document Number	0000172485
Instrument Date	Apr 23, 2018
Instrument	2018-0172485
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848

Mortgage

Document Number	0000172486
Date	May 1, 2018
Instrument	2018-0172486

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2017
Property Address	12451 RANCHO HEIGHTS RD, PALA, CA 92059-1848
Document Number	0000210032
Instrument Date	Apr 24, 2017
Instrument	210032
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1391 MORNINGSIDE DR LAGUNA BEACH CA 926512808, LAGUNA BEACH, CA 92651-2808

Mortgage

Document Number	210033
Date	May 10, 2017
Instrument	210033

Lender

Name	ERIC C WENDT
Address	PO BOX 2201, FALLBROOK, CA 92088-2201
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12451 Rancho Heights Rd was $9,791 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
Unified School District	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$945,975 (+2%) Land $342,369 Building $603,606
2025	$9,791.00 Homeowner's exemption	$927,427 Land $335,656 Building $591,771
2023	$9,416.00 (+6.71%) Homeowner's exemption	$891,416 Land $322,623 Building $568,793
2022	$8,824.00

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

Flood

FEMA maps place 12451 Rancho Heights Rd in Zone D, where flood risk has not been studied.

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

FEMA Flood Zone	Zone D undetermined · not studied
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 12451 Rancho Heights Rd is extreme, ranking above 99.5% of the US, with a 5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 99.5% of the US · above 97% of California
Wildfire Likelihood	5% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	RAINBOW MUNICIPAL WD serves 23,536 people · EPA ID CA3710016
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	3 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Accel Wireless Fixed Wireless	100 / 25

May also be available: Verizon.

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