1298 Rachel Cir, Escondido, CA 92026 Property Records

San Diego County property record for 1298 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	0.148 acres (6,457 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Jun 2021)
Tax Bill	$8,432 (2025)
Deeds & Mortgages	Jun 2021 Transfer Jun 2021 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`226-780-14-00`

Property Details

APN / Parcel Number

Primary APN	`226-780-14-00`

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	6,457 sqft (0.148 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1298 RACHEL CIR
City	ESCONDIDO
State	CA
Zip	92026-2159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 14 TR 012156
Legal Subdivision	ESCONDIDO #4633-1
Legal Tract	012156
Legal Block	3
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20305

Owner

1298 Rachel Cir is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
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
Jun 8, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 8, 2021	Intrafamily Transfer, Transfer PACIFIC COAST TITLE COMPANY
Jun 8, 2021	Grant Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Apr 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 14, 2018	Quit Claim Deed · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Sep 14, 2017	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Prior Sale	Sep 14, 2017 · Amount on File
Deed Document Number	2021424446
Prior Transfer Date	Aug 21, 1996
Prior Transfer Doc	0000429882
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 8, 2021
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000424448
Map Reference	MAP 12156
Instrument Date	Jun 3, 2021
Instrument	2021-0424448
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 8, 2021
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000424445
Map Reference	MAP 12156
Instrument Date	May 10, 2021
Instrument	2021-0424445
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	PACIFIC COAST 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	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 8, 2021
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000424446
Map Reference	MAP 12156
Instrument Date	May 10, 2021
Instrument	2021-0424446
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	PACIFIC COAST TITLE COMPANY

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	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159

Mortgage

Document Number	0000424447
Date	Jun 8, 2021
Instrument	2021-0424447

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000231716
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1298 RACHEL CIR ESCONDIDO CA 920262159, ESCONDIDO, CA 92026-2159

Mortgage

Document Number	0000231716
Date	May 7, 2020
Instrument	231716

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000546555
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1298 RACHEL CIR ESCONDIDO CA 920262159, ESCONDIDO, CA 92026-2159

Mortgage

Document Number	0000546555
Date	Nov 25, 2019
Instrument	546555

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2049

November 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2018
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000474259
Instrument Date	Nov 8, 2018
Instrument	474259
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1298 RACHEL CIR ESCONDIDO CA 920262159, ESCONDIDO, CA 92026-2159

Mortgage

Document Number	474260
Date	Nov 14, 2018
Instrument	474260

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SAN DIEGO, CA 92196-9040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 13, 2033

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2017
Property Address	1298 RACHEL CIR, ESCONDIDO, CA 92026-2159
Document Number	0000422151
Instrument Date	Aug 21, 2017
Instrument	422151
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NAT'L TITLE CO/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.00
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	1298 RACHEL CIR ESCONDIDO CA 920262159, ESCONDIDO, CA 92026-2159

Mortgage

Document Number	422152
Date	Sep 14, 2017
Instrument	422152

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1298 Rachel Cir was $8,432, up 2.1% from the year before.

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		$761,811 (+2%) Land $313,229 Building $448,582
2025	$8,432.00 (+2.08%)	$746,875 Land $307,088 Building $439,787
2024	$8,260.00 (+2.43%)
2023	$8,064.00 (+1.24%)	$717,874 Land $295,164 Building $422,710
2022	$7,965.00

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

Flood

FEMA maps place 1298 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 1298 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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