1264 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1264 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	0.109 acres (4,768 sqft)
Owner	Company Name on File
Last Sale	$299,000 (May 2002)
Tax Bill	$4,923 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-63-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-63-00`

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	4,768 sqft (0.109 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1264 RACHEL CIR
City	ESCONDIDO
State	CA
Zip	92026-2157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 63 TR 012250
Legal Subdivision	COUNTY/SAN DIEGO #4633-2
Legal Tract	012250
Legal Block	3
Legal Lot Number	63
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1264 Rachel Cir is owned by a company that acquired it in April 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157
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
Dec 17, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 30, 2023	Intrafamily Transfer, Transfer
Oct 8, 2020	Deed of Trust, Mortgage · Line of Credit ALASKA USA FCU
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME MORTGAGE ALLIANCE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2002 · Amount on File
Deed Sale	May 30, 2002 · Amount on File
Prior Sale	Sep 20, 1990 · Amount on File
Deed Document Number	2002456287
Last Transfer Date	Apr 24, 2021
Transfer Doc	0000299279
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157

Mortgage

Document Number	0000852435
Date	Dec 17, 2021
Instrument	2021-0852435

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2023
Property Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157
Document Number	0000299279
Map Reference	MAP 12250
Instrument Date	Apr 24, 2021
Instrument	2023-0299279
Transaction Type	Transfer
Record Updated	Nov 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157

Mortgage

Document Number	0000611044
Date	Oct 8, 2020
Instrument	2020-0611044

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99519

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1264 RACHEL CIR, ESCONDIDO, CA 92026-2157

Mortgage

Document Number	0000611043
Date	Oct 8, 2020
Instrument	2020-0611043

Lender

Name	HOME MORTGAGE ALLIANCE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1264 Rachel Cir was $4,923 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		$450,530 (+2%) Land $165,746 Building $284,784
2025	$4,923.00 Homeowner's exemption	$441,697 Land $162,497 Building $279,200
2023	$4,705.00 (+1.29%) Homeowner's exemption	$424,547 Land $156,188 Building $268,359
2022	$4,645.00

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

Flood

FEMA maps place 1264 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 1264 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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