28033 Oak Ranch Rd, Escondido, CA 92026 Property Records

San Diego County property record for 28033 Oak Ranch Rd, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,997 sqft · built 1988
Lot Size	0.492 acres (21,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$908,000 (Apr 2022)
Tax Bill	$11,128 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`186-502-27-00`

Property Details

APN / Parcel Number

Primary APN	`186-502-27-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,997 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Lot Area	21,431 sqft (0.492 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	28033 OAK RANCH RD
City	ESCONDIDO
State	CA
Zip	92026-6950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM10388
Legal Subdivision	PARCEL MAP NO 10388
Legal Tract	10388
Legal Block	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	4
Census Block	4015
Census Tract	19105

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	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 8, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2022	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Aug 24, 2001 · Amount on Record
Deed Document Number	2022187725
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950

Mortgage

Document Number	0000074411
Date	Mar 18, 2026
Instrument	2026-0074411

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950

Mortgage

Document Number	0000057615
Date	Mar 3, 2026
Instrument	2026-0057615

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950

Mortgage

Document Number	0000004740
Date	Jan 8, 2024
Instrument	2024-0004740

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2022
Property Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950
Document Number	0000187725
Instrument Date	Apr 21, 2022
Instrument	2022-0187725
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28033 OAK RANCH RD, ESCONDIDO, CA 92026-6950

Mortgage

Document Number	0000140665
Date	Feb 23, 2021
Instrument	2021-0140665

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 1, 2026
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	5-Year CMT
Max Rate	7.87%

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		$982,837 (+6.71%) Land $329,561 Building $653,276
2025	$11,128.00 (+0.29%) Homeowner's exemption	$921,000 (+10.7%) Land $307,000 Building $614,000
2024	$11,096.00 (+10.74%)
2023	$10,020.00 (+68.63%) Homeowner's exemption	$832,000 Land $278,000 Building $554,000
2022	$5,942.00

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	High above 70% of the US · above 44% 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	VALLEY CENTER MWD serves 30,166 people · EPA ID CA3710026
Water Source	Purchased surface water from SAN DIEGO COUNTY WATER AUTHORITY
Last State Inspection	Apr 2021
Lead	4 ppb (2020–2022) 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Orion Broadband, San Diego Broadband.

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