28312 Kettering Ln, Escondido, CA 92026 Property Records

San Diego County property record for 28312 Kettering Ln, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,208 sqft · built 1988
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Aug 2018)
Tax Bill	$9,577 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`186-360-36-00`

Property Details

APN / Parcel Number

Primary APN	`186-360-36-00`
Alternative APN	`1863701600`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,208 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	27,443 sqft (0.63 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1863701600
Street Address	28312 KETTERING LN
City	ESCONDIDO
State	CA
Zip	92026-6828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 32 TR 005744
Legal Subdivision	MEADOWS
Legal Tract	005744
Legal Block	3
Legal Lot Number	32
Jurisdiction	SAN DIEGO CA
Township / Civil Division	VALLEY CENTER
Census Block Group	3
Census Block	3014
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	28312 KETTERING LN, ESCONDIDO, CA 92026-6828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2019	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Aug 17, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Aug 13, 2018	Grant Deed, Transfer · VA Mortgage BNC NATIONAL BANK
Nov 27, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2018 · Amount on Record
Deed Sale	Aug 13, 2018 · Amount on Record
Prior Sale	Apr 10, 2002 · Amount on Record
Deed Document Number	2018330784
Prior Transfer Date	Nov 9, 2017
Prior Transfer Doc	0000546809
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28312 KETTERING LN, ESCONDIDO, CA 92026-6828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL TITLE CENTER INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000487642
Date	Oct 28, 2019
Instrument	2019-0487642

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	28312 KETTERING LN, ESCONDIDO, CA 92026-6828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000461764
Date	Aug 17, 2020
Instrument	2020-0461764

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2018
Property Address	28312 KETTERING LN, ESCONDIDO, CA 92026-6828
Document Number	0000330784
Map Reference	MAP 574
Instrument Date	May 4, 2018
Instrument	2018-0330784
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE SAN

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	Community Property with Right of Survivorship
Address	28312 KETTERING LN, ESCONDIDO, CA 92026-6828

Mortgage

Document Number	0000330785
Date	Aug 13, 2018
Instrument	2018-0330785

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2017
Property Address	28312 KETTERING LN, ESCONDIDO, CA 92026-6828
Document Number	0000546809
Map Reference	MAP5744
Instrument Date	Nov 9, 2017
Instrument	2017-0546809
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	PACIFIC COAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28312 KETTERING LN, ESCONDIDO, CA 92026-6828

Mortgage

Document Number	0000546810
Date	Nov 27, 2017
Instrument	2017-0546810

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2032

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		$768,030 (+2%) Land $341,347 Building $426,683
2025	$9,577.00 (+5%) Homeowner's exemption	$752,971 (+4.04%) Land $334,654 Building $418,317
2023	$9,121.00 (+1.52%) Homeowner's exemption	$723,734 Land $321,660 Building $402,074
2022	$8,984.00

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	1 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

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

Wildfire Risk	Moderate above 67% of the US · above 42% 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 201 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
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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