12972 Rancho Heights Rd, Pala, CA 92059 Property Records

San Diego County property record for 12972 Rancho Heights Rd, Pala, CA 92059 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,575 sqft · built 2008
Lot Size	3.13 acres (136,778 sqft)
Owner	2 Individual Names on File
Last Sale	$970,000 (Feb 2025)
Tax Bill	$5,188 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2019 Mortgage + 4 more
Flood Zone	Zone D (undetermined)
APN	`109-382-08-00`

Property Details

APN / Parcel Number

Primary APN	`109-382-08-00`
Alternative APN	`1091005000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,575 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	136,778 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1091005000
Street Address	12972 RANCHO HEIGHTS RD
City	PALA
State	CA
Zip	92059-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 11-9-2W NEQ (EX MIN RTS)PAR 1 A PER DOC74-76653 IN
Legal Range	02W
Legal Township	09
Legal Section	11
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	PAUMA VALLEY
Census Block Group	2
Census Block	2009
Census Tract	19108

Owner

Source: San Diego County records · APN 109-382-08-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 08, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WINNPOINTE CORPORATION
Dec 03, 2018	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Dec 03, 2018	Grant Deed, Transfer · Conventional Mortgage SOUTH PACIFIC FINANCIAL CORP
Mar 07, 2018	Deed in Lieu of Foreclosure, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 20, 2025 · Amount on Record
Deed Sale	Feb 20, 2025 · Amount on Record
Prior Sale	Dec 03, 2018 · Amount on Record
Deed Document Number	202543824
Prior Transfer Date	Apr 10, 2008
Prior Transfer Doc	0000218133
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Transaction Type	Mortgage
Record Updated	Sep 07, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846

Mortgage

Document Number	0000612976
Date	Aug 27, 2021
Instrument	2021-0612976

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000514344
Date	Nov 08, 2019
Instrument	2019-0514344

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000552918
Date	Nov 27, 2019
Instrument	2019-0552918

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2034

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 03, 2018
Property Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Document Number	0000497160
Instrument Date	Nov 02, 2018
Instrument	497160
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12972 RANCHO HEIGHTS RD PALA CA 920591846, PALA, CA 92059-1846

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 03, 2018
Property Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Document Number	0000497159
Instrument Date	Nov 02, 2018
Instrument	2018-0497159
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	ORANGE COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	PO BOX 639, WILDOMAR, CA 92595-0639

Mortgage

Document Number	0000497161
Date	Dec 03, 2018
Instrument	2018-0497161

Lender

Name	SOUTH PACIFIC FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2048

March 2018: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 07, 2018
Property Address	12972 RANCHO HEIGHTS RD, PALA, CA 92059-1846
Document Number	0000088476
Instrument Date	Mar 02, 2018
Instrument	88476
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$408.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 392 DEVINE TX 780160392, DEVINE, TX 78016-0392

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value
2026		$989,400 (+101.58%) Land $612,000 Building $377,400
2025	$5,188.00 (+3.51%) Homeowner's exemption	$490,821 (+4.04%) Land $206,660 Building $284,161
2023	$5,012.00 (+1.52%) Homeowner's exemption	$471,764 Land $198,636 Building $273,128
2022	$4,937.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone D
Special Flood Hazard Area	No
Flood Hazard	Undetermined not studied
500-Year Floodplain	No

Wildfire

Wildfire Risk	Extreme above 99% of the US · above 96% of California
Wildfire Likelihood	About 1 in 24 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
MJM Telecom	Fixed Wireless (licensed-by-rule)	100 / 25
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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