2801 Side Saddle Ln, Escondido, CA 92029 Property Records

San Diego County property record for 2801 Side Saddle Ln, Escondido, CA 92029

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,243 sqft · built 2020
Lot Size	0.46 acres (20,048 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,038,500 (Nov 2020)
Tax Bill	$21,446 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`235-621-04-00`

Property Details

APN / Parcel Number

Primary APN	`235-621-04-00`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	4,243 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	20,048 sqft (0.46 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2801 SIDE SADDLE LN
City	ESCONDIDO
State	CA
Zip	92029-4854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S88
Legal Description	LOT 8 TR 015995
Legal Subdivision	SAN DIEGO #5365-8
Legal Tract	015995
Legal Block	1
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1018
Census Tract	20311

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	2801 SIDE SADDLE LN, ESCONDIDO, CA 92029-4854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 16, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	2020718717
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2801 SIDE SADDLE LN, ESCONDIDO, CA 92029-4854
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 SIDE SADDLE LN, ESCONDIDO, CA 92029-4854

Mortgage

Document Number	0000374950
Date	Sep 23, 2022
Instrument	2022-0374950

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2801 SIDE SADDLE LN, ESCONDIDO, CA 92029-4854
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 SIDE SADDLE LN, ESCONDIDO, CA 92029-4854

Mortgage

Document Number	0000581964
Date	Aug 16, 2021
Instrument	2021-0581964

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$1,216,926 (+2%) Land $220,814 Building $996,112
2025	$21,446.00 (+4.07%)	$1,193,066 (+4.04%) Land $216,485 Building $976,581
2023	$20,607.00 (+2.99%)	$1,146,740 Land $208,080 Building $938,660
2022	$20,008.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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