18138 Pacifica Ranch Dr, Rancho Santa Fe, CA 92091 Property Records

San Diego County property record for 18138 Pacifica Ranch Dr, Rancho Santa Fe, CA 92091

Property Summary

Property Type	Single Family Home
Details	5 bd · 7.5 ba · 500 sqft · built 2012
Lot Size	3 acres (130,680 sqft)
Owner	Company Name on File
Tax Bill	$51,923 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`265-520-12-00`

Property Details

APN / Parcel Number

Primary APN	`265-520-12-00`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Building Area	500 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	130,680 sqft
Parking Spaces	7 Parking Spaces

Location & Zoning

Street Address	18138 PACIFICA RANCH DR
City	RANCHO SANTA FE
State	CA
Zip	92091-0293
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 12 TR 015059
Legal Subdivision	RANCHO SANTA FE 5148-1
Legal Tract	015059
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1022
Census Tract	17111

Owner

18138 Pacifica Ranch Dr is owned by a company that acquired it in July 2013.

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

Owner of Record	Company Name on File
Mailing Address	18021 CALLE AMBIENTE, 506, RANCHO SANTA FE, CA 92091-0306
Owner Type	Company
Vesting	Borrower in Default

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
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Apr 3, 2018	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2008
Deed Sale	Dec 18, 2008
Prior Sale	Nov 28, 2005 · Amount on File
Deed Document Number	2008642981
Last Transfer Date	Jul 12, 2013
Transfer Doc	0000441754
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	18138 PACIFICA RANCH DR, RANCHO SANTA FE, CA 92091-0293
Transaction Type	Mortgage
Record Updated	Dec 9, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5505 CANCHA DE GOLF, RCHO SANTA FE, CA 92091-4041

Mortgage

Document Number	0000057087
Date	Jan 26, 2021
Instrument	2021-0057087

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.37%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	18138 PACIFICA RANCH DR, RANCHO SANTA FE, CA 92091-0293
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000130420
Date	Apr 3, 2018
Instrument	2018-0130420

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.85%
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Min Rate At Change	2.5%
Index	LIBOR
Max Rate	9.95%

Tax Assessment & Valuation

The 2025 property tax bill for 18138 Pacifica Ranch Dr was $51,923.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Rancho Santa Fe Elementary School District (KG - 06)
Secondary School District	San Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$4,806,826 (+2%) Land $532,970 Building $4,273,856
2025	$51,923.00	$4,712,575 Land $522,520 Building $4,190,055
2023	$49,490.00 (+1.46%)	$4,529,582 Land $502,231 Building $4,027,351
2022	$48,778.00

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

Flood

FEMA maps place 18138 Pacifica Ranch Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 18138 Pacifica Ranch Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications, Spectrum.

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