San Diego County property record for 278 Spotted Saddle Way, Fallbrook, CA 92028
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,579 sqft · built 2019 |
| Lot Size | 18.8 acres (820,061 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $451,500 (Jun 2019) |
| Tax Bill | $7,491 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 108-124-04-04 |
| Primary APN | 108-124-04-04 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,579 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Condo/Apartment |
| Lot Area | 820,061 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 278 SPOTTED SADDLE WAY |
|---|---|
| City | FALLBROOK |
| State | CA |
| Zip | 92028-6508 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R1 |
| Legal Description | LOT 148 US 84 PER DOC18-0323384&UND INT IN MODULE 14 TR 016183 |
| Legal Subdivision | HORSE CRK RDGE BRINDLE POINTE |
| Legal Tract | 016183 |
| Legal Block | 1 |
| Legal Lot Number | 148 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | FALLBROOK |
| Census Block Group | 1 |
| Census Block | 1085 |
| Census Tract | 19002 |
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 | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 12, 2020 | Deed of Trust, Mortgage · VA Mortgage HOME MORTGAGE EXPERTS INC HOME MORTGAGE EXPERTS INC |
| Jun 24, 2019 | Grant Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| May 21, 2019 | Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Sep 26, 2018 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage JWH FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2019 · Amount on Record |
| Deed Sale | Jun 24, 2019 · Amount on Record |
| Prior Sale | May 21, 2019 · Amount on Record |
| Deed Document Number | 2019247135 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Document Number | 0000143123 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 2021-0143123 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Document Number | 0000251447 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 278 SPOTTED SADDLE WAY FALLBROOK CA 920286508, FALLBROOK, CA 92028-6508 |
| Document Number | 0000251447 |
|---|---|
| Date | May 18, 2020 |
| Instrument | 251447 |
| Name | HOME MORTGAGE EXPERTS INC HOME MORTGAGE EXPERTS INC |
|---|---|
| Type | Bank |
| Address | OCEANSIDE, CA 92054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 24, 2019 |
| Property Address | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Document Number | 0000247135 |
| Map Reference | FILE 2017-7000107 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 2019-0247135 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE OC |
| 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 | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Investor | Possibly a Property Investor |
| Document Number | 0000247136 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 2019-0247136 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 21, 2019 |
| Property Address | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Document Number | 0000191046 |
| Map Reference | MAP 16183 |
| Instrument Date | May 2, 2019 |
| Instrument | 2019-0191046 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE OC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 284 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Document Number | 0000191047 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 2019-0191047 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 26, 2018 |
| Property Address | 278 SPOTTED SADDLE WAY, FALLBROOK, CA 92028-6508 |
| Document Number | 0000402016 |
| Map Reference | DOC2018-0063019 |
| Instrument Date | Sep 16, 2018 |
| Instrument | 2018-0402016 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE OC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 204 WINDSOR GREY WAY, FALLBROOK, CA 92028-6514 |
| Document Number | 0000402017 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 2018-0402017 |
| Name | JWH FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
Source: San Diego County assessment roll, as of July 21, 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 | $513,577 (+2%) Land $204,807 Building $308,770 | |
| 2025 | $7,491.00 (+5.08%) | $503,508 (+4.04%) Land $200,792 Building $302,716 |
| 2023 | $7,129.00 (+0.55%) | $483,958 Land $192,996 Building $290,962 |
| 2022 | $7,090.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 19 (1978–2019) |
| Claims Outside the SFHA | 6 of 19 |
| Most Recent Claim | Mar 2019 |
| Claims by Event |
|
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 | High above 74% of the US · above 50% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 509 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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