1605 el Rancho Ln, Fallbrook, CA 92028 Property Records

San Diego County property record for 1605 el Rancho Ln, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,327 sqft · built 1958
Lot Size	0.21 acres (9,131 sqft)
Owner	2 Individual Names on Record
Last Sale	$621,500 (Dec 2022)
Tax Bill	$6,964 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`105-093-41-00`

Property Details

APN / Parcel Number

Primary APN	`105-093-41-00`
Alternative APN	`1050913200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,327 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	9,131 sqft (0.21 acres)
Lot Dimensions	156 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	1050913200
Street Address	1605 EL RANCHO LN
City	FALLBROOK
State	CA
Zip	92028-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 18-9-3W SE 1/4 OF POR
Legal Range	03W
Legal Township	09
Legal Section	18
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	2
Census Block	2000
Census Tract	18903

Owner

Source: San Diego County records, as of September 29, 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 Record
Mailing Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT LP
Nov 17, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU
Jul 5, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 6, 2022	Grant Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 3, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Feb 20, 2018	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Apr 24, 2017	Grant Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	Apr 24, 2017 · Amount on Record
Deed Document Number	2022459885
Prior Transfer Date	Mar 15, 2007
Prior Transfer Doc	0000200183
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2026
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Document Number	0000274030
Instrument Date	Sep 11, 2026
Instrument	2026274030
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000274030,
Date	Sep 21, 2026
Instrument	2026274030

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000320872
Date	Nov 17, 2023
Instrument	2023-0320872

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Investor	Possibly a Property Investor

Mortgage

Document Number	0000786526
Date	Nov 15, 2021
Instrument	2021-0786526

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000174348
Date	Jul 5, 2023
Instrument	2023-0174348

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2053

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2022
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Document Number	0000459885
Instrument Date	Oct 27, 2022
Instrument	2022-0459885
Transaction Type	Transfer
Record Updated	Dec 14, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000459886
Date	Dec 6, 2022
Instrument	2022-0459886

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Change Frequency	6 Months

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Document Number	0000185071
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1605 EL RANCHO LN FALLBROOK CA 920281711, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000185071
Date	Apr 13, 2020
Instrument	185071

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Document Number	0000079830
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1605 EL RANCHO LN FALLBROOK CA 920281711, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000079830
Date	Mar 1, 2018
Instrument	79830

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 29, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 24, 2017
Property Address	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711
Document Number	0000183001
Instrument Date	Apr 20, 2017
Instrument	2017-0183001
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	1605 EL RANCHO LN, FALLBROOK, CA 92028-1711

Mortgage

Document Number	0000183002
Date	Apr 24, 2017
Instrument	2017-0183002

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Fallbrook Union Elementary School District (KG - 08)
Secondary School District	Fallbrook Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$659,272 (+2%) Land $393,317 Building $265,955
2025	$6,964.00 (+5.55%)	$646,346 (+4.04%) Land $385,605 Building $260,741
2023	$6,598.00 (+60.54%)	$621,250 Land $370,633 Building $250,617
2022	$4,110.00

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FALLBROOK PUD serves 35,237 people · EPA ID CA3710008
Water Source	Purchased surface water from several systems
Lead	1 ppb (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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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