2438 Bernardo Ave, Escondido, CA 92029 Property Records

San Diego County property record for 2438 Bernardo Ave, Escondido, CA 92029

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 1957
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Aug 2022)
Tax Bill	$11,801 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`238-360-02-00`

Property Details

APN / Parcel Number

Primary APN	`238-360-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,900 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	42,253 sqft (0.97 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2438 BERNARDO AVE
City	ESCONDIDO
State	CA
Zip	92029-5615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 8 LOT 4 POR TR 001205
Legal Subdivision	HOMELAND ACRES
Legal Tract	001205
Legal Block	8
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2012
Census Tract	20405

Owner

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	4911 OCEAN BLVD, SAN DIEGO, CA 92109-2017
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Aug 26, 2019	Grant Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	2022334580
Prior Transfer Date	Jul 1, 1993
Prior Transfer Doc	0000533146
Record Updated	Oct 29, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 18, 2022
Property Address	2438 BERNARDO AVE, ESCONDIDO, CA 92029-5615
Document Number	0000334580
Map Reference	MAP 1205
Instrument Date	Jul 25, 2022
Instrument	2022-0334580
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

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	4911 OCEAN BLVD, SAN DIEGO, CA 92109-2017

Mortgage

Document Number	0000334581
Date	Aug 18, 2022
Instrument	2022-0334581

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	Other
Margin	3
Max Rate	9.75%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2021
Property Address	2438 BERNARDO AVE, ESCONDIDO, CA 92029-5615
Document Number	0000467165
Map Reference	MAP 1205
Instrument Date	Jun 24, 2021
Instrument	2021-0467165
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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
Relationship	Joint Tenants
Address	2438 BERNARDO AVE, ESCONDIDO, CA 92029-5615

Mortgage

Document Number	0000467166
Date	Jun 28, 2021
Instrument	2021-0467166

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2438 BERNARDO AVE, ESCONDIDO, CA 92029-5615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190900
Date	Apr 15, 2020
Instrument	2020-0190900

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 26, 2019
Property Address	2438 BERNARDO AVE, ESCONDIDO, CA 92029-5615
Document Number	0000363481
Map Reference	MAP 1205
Instrument Date	Jul 22, 2019
Instrument	2019-0363481
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

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	2438 BERNARDO AVE, ESCONDIDO, CA 92029-5615

Mortgage

Document Number	0000363482
Date	Aug 26, 2019
Instrument	2019-0363482

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	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		$1,061,207 (+2%) Land $636,724 Building $424,483
2025	$11,801.00 (+4.53%)	$1,040,400 (+4.04%) Land $624,240 Building $416,160
2023	$11,290.00 (+77.68%)	$1,000,000 Land $600,000 Building $400,000
2022	$6,354.00

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	4 in force
Nearby Flood Claims	2 (1980–1983)
Most Recent Claim	Apr 1983 · tidal / storm surge

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	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 210 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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