1903 Mountain Valley Ln, Escondido, CA 92029 Property Records

San Diego County property record for 1903 Mountain Valley Ln, Escondido, CA 92029

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,084 sqft · built 1990
Lot Size	0.474 acres (20,644 sqft)
Owner	2 Individual Names on File
Last Sale	$1,399,000 (Jan 2025)
Tax Bill	$10,363 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`235-480-15-00`

Property Details

APN / Parcel Number

Primary APN	`235-480-15-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,084 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	20,644 sqft (0.474 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1903 MOUNTAIN VALLEY LN
City	ESCONDIDO
State	CA
Zip	92029-4209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-20
Legal Description	LOT 15 TR 012179
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	012179
Legal Block	3
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20404

Owner

1903 Mountain Valley Ln is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209
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
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANSNAP INC
Jul 2, 2021	Transfer on Death Deed, Transfer
Jul 2, 2021	Transfer on Death Deed, Transfer
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on File
Deed Sale	Jan 9, 2025 · Amount on File
Prior Sale	Feb 25, 2015 · Amount on File
Deed Document Number	20256402
Prior Transfer Date	Sep 10, 1996
Prior Transfer Doc	0000525163
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209

Mortgage

Document Number	0000084021
Date	Mar 26, 2026
Instrument	2026-0084021

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	SPRUCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209

Mortgage

Document Number	0000836052
Date	Dec 10, 2021
Instrument	2021-0836052

Lender

Name	LOANSNAP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 2, 2021
Property Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209
Document Number	0000479272
Map Reference	MAP 12179
Instrument Date	Jun 10, 2021
Instrument	2021-0479272
Transaction Type	Transfer
Record Updated	Jul 13, 2021

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	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209

July 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 2, 2021
Property Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209
Document Number	0000479177
Map Reference	MAP 12179
Instrument Date	Jun 10, 2021
Instrument	2021-0479177
Transaction Type	Transfer
Record Updated	Jul 13, 2021

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	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1903 MOUNTAIN VALLEY LN, ESCONDIDO, CA 92029-4209
Document Number	0000425476
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1903 MOUNTAIN VALLEY LN ESCONDIDO CA 920294209, ESCONDIDO, CA 92029-4209

Mortgage

Document Number	0000425476
Date	Sep 26, 2019
Instrument	425476

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1903 Mountain Valley Ln was $10,363, 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
Municipality	Escondido City
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		$1,490,980 (+63.34%) Land $969,000 Building $521,980
2025	$10,363.00 (+2.1%)	$912,796 Land $280,857 Building $631,939
2024	$10,150.00 (+2.32%)
2023	$9,920.00 (+1.09%) Homeowner's exemption	$877,352 Land $269,951 Building $607,401
2022	$9,813.00

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

Flood

FEMA maps place 1903 Mountain Valley Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 1998 · Severe Winter 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.

Wildfire

Wildfire risk around 1903 Mountain Valley Ln is low, with 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.01% 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	RINCON DEL DIABLO MWD (ID-1) serves 28,427 people · EPA ID CA3710018
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
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 268 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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