20102 Elm Ln, Escondido, CA 92029 Property Records

San Diego County property record for 20102 Elm Ln, Escondido, CA 92029

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,075 sqft · built 2017
Lot Size	0.1 acres (4,361 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,153,500 (Aug 2025)
Tax Bill	$10,380 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`270-085-04-00`

Property Details

APN / Parcel Number

Primary APN	`270-085-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,075 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	4,361 sqft (0.1 acres)
View / Lot	Lake

Location & Zoning

Street Address	20102 ELM LN
City	ESCONDIDO
State	CA
Zip	92029-6456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	BLK 10 LOT 2 TR 001819
Legal Subdivision	CAMPO DEL DIOS
Legal Tract	001819
Legal Block	10
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2036
Census Tract	20401

Owner

Source: San Diego County records, as of July 21, 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	628 CANYON PL, SOLANA BEACH, CA 92075-1348
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Dec 20, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2025 · Amount on Record
Deed Sale	Aug 18, 2025 · Amount on Record
Prior Sale	Aug 24, 2020 · Amount on Record
Deed Document Number	2025227397
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2020
Property Address	20102 ELM LN, ESCONDIDO, CA 92029-6456
Document Number	0000480209
Map Reference	MAP 1819
Instrument Date	Jul 8, 2020
Instrument	2020-0480209
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	CORINTHIAN TITLE COMPANY INC

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20102 ELM LN, ESCONDIDO, CA 92029-6456

Mortgage

Document Number	0000480210
Date	Aug 24, 2020
Instrument	2020-0480210

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Mortgage

Document Number	0000480211
Date	Aug 24, 2020
Instrument	2020-0480211

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2017
Property Address	20102 ELM LN, ESCONDIDO, CA 92029-6456
Document Number	0000599103
Instrument Date	Nov 30, 2017
Instrument	599103
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20102 ELM LN ESCONDIDO CA 920296456, ESCONDIDO, CA 92029-6456

Mortgage

Document Number	599104
Date	Dec 20, 2017
Instrument	599104

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,123,350 (+22.09%) Land $605,000 Building $518,350
2025	$10,380.00 (+4.24%)	$920,064 (+4.04%) Land $519,566 Building $400,498
2023	$9,958.00 (+1.25%)	$884,340 Land $499,392 Building $384,948
2022	$9,835.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

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

Wildfire Risk	High above 72% of the US · above 47% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEL DIOS MUTUAL WATER COMPANY private · serves 330 people · EPA ID CA3700866
Water Source	Purchased surface water from RINCON DEL DIABLO MWD (ID-1)
Last State Inspection	Aug 2022
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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