San Diego County property record for 1646 Pala Lake Dr, Fallbrook, CA 92028
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,308 sqft · built 1980 |
| Lot Size | 10.8 acres (473,297 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $481,000 (Dec 2025) |
| Tax Bill | $3,921 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Oct 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 108-411-10-17 |
| Primary APN | 108-411-10-17 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,308 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Condo/Apartment |
| Lot Area | 473,297 sqft |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1646 PALA LAKE DR |
|---|---|
| City | FALLBROOK |
| State | CA |
| Zip | 92028-4911 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RV |
| Legal Description | LOT 13 US 83 PER DOC79-233474 & UND INT IN POR LOTS 11 THRU TR 008536 |
| Legal Subdivision | PALA MESA COUNTRY CLUB |
| Legal Tract | 008536 |
| Legal Block | 2 |
| Legal Lot Number | 13,11 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | FALLBROOK |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 18805 |
Source: San Diego County records, as of July 28, 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 | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 1, 2025 | Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 14, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN HERITAGE LENDING INC |
| Sep 3, 2020 | Grant Deed, Transfer · Conventional with PMI MDC FINANCIAL SERVICE GROUP INC |
| Nov 15, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Dec 15, 2017 | Grant Deed, Transfer · VA Mortgage SUPREME LNDG |
| Aug 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TGP OPPORTUNITY FUND I LLC TGP OPPORTUNITY FUND I LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2025 · Amount on Record |
| Deed Sale | Dec 1, 2025 · Amount on Record |
| Prior Sale | Sep 3, 2020 · Amount on Record |
| Deed Document Number | 2025338996 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 1, 2025 |
| Property Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000338996 |
| Map Reference | MAP 8536 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 2025-0338996 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Investor | Possibly a Property Investor |
| Document Number | 0000338997 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025-0338997 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 14, 2025 |
| Property Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000285971 |
| Map Reference | MAP 8536 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 2025-0285971 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000285972 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 2025-0285972 |
| Name | AMERICAN HERITAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Nov 1, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9% |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9% |
| Max Rate At Change | 14% |
| Index | SOFR Average 30-Day |
| Max Rate | 14% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 3, 2020 |
| Property Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000512477 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 512477 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2020 |
| Title Company | TICOR TITLE RIVERSIDE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $369.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1646 PALA LAKE DR ESCONDIDO CA 92026, ESCONDIDO, CA 92026 |
| Document Number | 512478 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 512478 |
| Name | MDC FINANCIAL SERVICE GROUP INC |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92101 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000553049 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 881 CORBIN RD NORFOLK VA 235023301, NORFOLK, VA 23502-3301 |
| Document Number | 0000553049 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 553049 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 15, 2017 |
| Property Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000588210 |
| Instrument Date | Dec 4, 2017 |
| Instrument | 588210 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $341.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 757 BAY 7TH ST WEST ISLIP NY 117954844, WEST ISLIP, NY 11795-4844 |
| Document Number | 588211 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 588211 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 14, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1646 PALA LAKE DR, FALLBROOK, CA 92028-4911 |
| Document Number | 0000388504 |
| Instrument Date | Aug 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 4328 LOS PADRES DR FALLBROOK CA 920289283, FALLBROOK, CA 92028-9283 |
| Document Number | 0000388504 |
|---|---|
| Date | Aug 24, 2017 |
| Instrument | 388504 |
| Name | TGP OPPORTUNITY FUND I LLC TGP OPPORTUNITY FUND I LLC |
|---|---|
| Address | SAN DIEGO, CA 92101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $481,000 (+32.65%) Land $177,760 Building $303,240 | |
| 2025 | $3,921.00 (+5.32%) | $362,611 (+4.04%) Land $134,008 Building $228,603 |
| 2023 | $3,723.00 (-0.03%) | $348,532 Land $128,805 Building $219,727 |
| 2022 | $3,724.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 13 units insured incl. 8 condo units |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2024 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RAINBOW MUNICIPAL WD serves 23,536 people · EPA ID CA3710016 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2023 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 79 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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