31555 Cottontail Ln, Bonsall, CA 92003 Property Records

San Diego County property record for 31555 Cottontail Ln, Bonsall, CA 92003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,349 sqft · built 1975
Lot Size	1.68 acres (73,181 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Nov 2025)
Tax Bill	$8,738 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`127-250-37-00`

Property Details

APN / Parcel Number

Primary APN	`127-250-37-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,349 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	73,181 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	31555 COTTONTAIL LN
City	BONSALL
State	CA
Zip	92003-4611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 22-10-3W SWQ EXH B PER DOC76-384729 IN W H OF SWQ OF
Legal Range	03W
Legal Township	10
Legal Section	22
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	2
Census Block	2005
Census Tract	18803

Owner

31555 Cottontail Ln is owned and occupied by two individuals who bought it in November 2025.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage E & S FINANCIAL GROUP INC
Nov 25, 2025	Grant Deed, Transfer · Conventional Mortgage US MORTGAGE CORP
Mar 9, 2020	Grant Deed, Transfer · Conventional Mortgage E & S FINANCIAL GROUP INC
Mar 18, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 1, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 24, 2017	Grant Deed, Transfer · Conventional with PMI NEW RATE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Prior Sale	Mar 9, 2020 · Amount on File
Deed Document Number	2025335009
Prior Transfer Date	Mar 15, 2019
Prior Transfer Doc	0000095179
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611

Mortgage

Document Number	0000085887
Date	Feb 4, 2021
Instrument	2021-0085887

Lender

Name	E & S FINANCIAL GROUP INC
Type	Funding / Finance Company
Address	VENTURA, CA 93003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 25, 2025
Property Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Document Number	0000335009
Instrument Date	Nov 22, 2025
Instrument	2025-0335009
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount on Record
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	31555 COTTONTAIL LN, BONSALL, CA 92003-4611

Mortgage

Document Number	0000335010
Date	Nov 25, 2025
Instrument	2025-0335010

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 9, 2020
Property Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Document Number	0000119121
Instrument Date	Jan 22, 2020
Instrument	119121
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	NETCO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$836.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31555 COTTONTAIL LN BONSALL CA 920034611, BONSALL, CA 92003-4611

Mortgage

Document Number	119122
Date	Mar 9, 2020
Instrument	119122

Lender

Name	E & S FINANCIAL GROUP INC
Type	Bank
Address	VENTURA, CA 93003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2019
Property Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Document Number	0000095179
Instrument Date	Mar 14, 2019
Instrument	95179
Transaction Type	Transfer
Record Updated	Mar 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	31555 COTTONTAIL LN BONSALL CA 920034611, BONSALL, CA 92003-4611

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Document Number	0000568473
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	NETCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31555 COTTONTAIL LN BONSALL CA 920034611, BONSALL, CA 92003-4611

Mortgage

Document Number	0000568473
Date	Dec 6, 2017
Instrument	568473

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 24, 2017
Property Address	31555 COTTONTAIL LN, BONSALL, CA 92003-4611
Document Number	0000090043
Instrument Date	Feb 2, 2017
Instrument	90043
Transaction Type	Transfer
Record Updated	Mar 1, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 HAVERHILL IRVINE CA 926021662, IRVINE, CA 92602-1662

Mortgage

Document Number	90044
Date	Feb 24, 2017
Instrument	90044

Lender

Name	NEW RATE LNDG
Address	IRVINE, CA 92614

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 31555 Cottontail Ln was $8,738.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,050,000 (+26.33%) Land $650,000 Building $400,000
2025	$8,738.00	$831,165 Land $275,070 Building $556,095
2023	$8,391.00 (+1.72%)	$798,892 Land $264,390 Building $534,502
2022	$8,249.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 31555 Cottontail Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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

Wildfire risk around 31555 Cottontail Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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	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

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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