San Diego County property record for 2946 Side Saddle Ln, Escondido, CA 92029
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,243 sqft · built 2020 |
| Lot Size | 0.246 acres (10,698 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,810,000 (May 2025) |
| Tax Bill | $19,503 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Feb 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-621-24-00 |
| Primary APN | 235-621-24-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,243 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 10,698 sqft (0.246 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 2946 SIDE SADDLE LN |
|---|---|
| City | ESCONDIDO |
| State | CA |
| Zip | 92029-4855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S88 |
| Legal Description | LOT 39 TR 015995 |
| Legal Subdivision | COUNTY/SAN DIEGO 5365-8 |
| Legal Tract | 015995 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 20311 |
2946 Side Saddle Ln is owner-occupied and held in a trust since May 2025.
Source: San Diego County records, as of July 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Feb 18, 2022 | Intrafamily Transfer, Transfer |
| Mar 9, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 28, 2020 | Grant Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2025 · Amount on File |
| Deed Sale | May 12, 2025 · Amount on File |
| Prior Sale | May 28, 2020 · Amount on File |
| Deed Document Number | 2025123825 |
| Prior Transfer Date | Jan 26, 2022 |
| Prior Transfer Doc | 0000076217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Document Number | 0000457063 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 2022-0457063 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 477 Months |
| Due | Sep 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 18, 2022 |
| Property Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Document Number | 0000076217 |
| Map Reference | MAP 15995 |
| Instrument Date | Jan 26, 2022 |
| Instrument | 2022-0076217 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Document Number | 0000181216 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021-0181216 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 28, 2020 |
| Property Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Document Number | 0000272072 |
| Map Reference | MAP 15995 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 2020-0272072 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CALATLANTIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| 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 | Community Property with Right of Survivorship |
| Address | 2946 SIDE SADDLE LN, ESCONDIDO, CA 92029-4855 |
| Document Number | 0000272073 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 2020-0272073 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 2946 Side Saddle Ln was $19,503.
Source: San Diego County assessment roll, as of July 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,846,200 (+79.81%) Land $867,000 Building $979,200 | |
| 2025 | $19,503.00 | $1,026,749 Land $142,171 Building $884,578 |
| 2023 | $16,770.00 (-3.87%) | $986,881 Land $136,651 Building $850,230 |
| 2022 | $17,446.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2946 Side Saddle Ln in Zone X, an area of minimal flood risk.
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 risk around 2946 Side Saddle Ln is moderate, ranking above 57% 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 57% of the US · lower than 65% 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 | 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 |
| 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 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Fiber | 2,000 / 35 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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