San Diego County property record for 2786 Secret Lake Ln, Fallbrook, CA 92028
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,896 sqft · built 1989 |
| Lot Size | 0.237 acres (10,321 sqft) |
| Owner | Trust Name on File |
| Last Sale | $235,000 (Jan 1989) |
| Tax Bill | $5,099 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 124-430-13-00 |
| Primary APN | 124-430-13-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,896 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 10,321 sqft (0.237 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2786 SECRET LAKE LN |
|---|---|
| City | FALLBROOK |
| State | CA |
| Zip | 92028-9483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 13 TR 011920 |
| Legal Subdivision | COUNTY OF SAN DIEGO TRACT #4221 |
| Legal Tract | 011920 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | FALLBROOK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 18805 |
2786 Secret Lake Ln is owner-occupied and held in a trust since February 2001.
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2786 SECRET LAKE LN, FALLBROOK, CA 92028-9483 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 1989 · Amount on File |
| Deed Sale | Jan 27, 1989 · Amount on File |
| Deed Document Number | 198945341 |
| Last Transfer Date | Feb 27, 2001 |
| Transfer Doc | 0000128646 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 2786 Secret Lake Ln was $5,099 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Bonsall Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $501,089 (+2%) Land $115,070 Building $386,019 | |
| 2025 | $5,099.00 Homeowner's exemption | $491,264 Land $112,814 Building $378,450 |
| 2023 | $4,893.00 (+1.75%) Homeowner's exemption | $472,189 Land $108,434 Building $363,755 |
| 2022 | $4,809.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2786 Secret Lake Ln 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 risk around 2786 Secret Lake Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of California |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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