1272 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1272 Rachel Cir, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,255 sqft · built 1990
Lot Size	0.117 acres (5,107 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Feb 2019)
Tax Bill	$5,993 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-08-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,255 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	5,107 sqft (0.117 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1272 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 8 TR 012156
Legal Subdivision	CITY/ESCONDIDO 4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1272 Rachel Cir is owned and occupied by two individuals who acquired it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157
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
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC
Oct 23, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Feb 20, 2019	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2019 · Amount on File
Deed Sale	Feb 20, 2019 · Amount on File
Prior Sale	Apr 29, 2015 · Amount on File
Deed Document Number	201958811
Last Transfer Date	Oct 15, 2019
Transfer Doc	0000478434
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157

Mortgage

Document Number	0000675534
Date	Sep 27, 2021
Instrument	2021-0675534

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157

Mortgage

Document Number	0000551229
Date	Sep 18, 2020
Instrument	2020-0551229

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company
Address	EMERYVILLE, CA 94608

Agreement

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

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 23, 2019
Property Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157
Document Number	0000478434
Map Reference	MAP 12156
Instrument Date	Oct 15, 2019
Instrument	2019-0478434
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN 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
Relationship	Joint Tenants
Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157

Mortgage

Document Number	0000478435
Date	Oct 23, 2019
Instrument	2019-0478435

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 20, 2019
Property Address	1272 RACHEL CIR, ESCONDIDO, CA 92026-2157
Document Number	0000058811
Instrument Date	Jan 23, 2019
Instrument	58811
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$522.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1272 RACHEL CIRCIE ESCONDIDO CA 92026, ESCONDIDO, CA 92026

Mortgage

Document Number	58812
Date	Feb 20, 2019
Instrument	58812

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1272 Rachel Cir was $5,993.

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		$540,462 (+2%) Land $180,336 Building $360,126
2025	$5,993.00	$529,865 Land $176,800 Building $353,065
2023	$5,731.00 (+1.25%)	$509,292 Land $169,936 Building $339,356
2022	$5,660.00

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

Flood

FEMA maps place 1272 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 1272 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.

Nearby Properties on Rachel Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures