320 James St, Escondido, CA 92027 Property Records

San Diego County property record for 320 James St, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1974
Lot Size	0.135 acres (5,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Dec 2019)
Tax Bill	$5,145 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`231-612-06-00`

Property Details

APN / Parcel Number

Primary APN	`231-612-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	5,900 sqft (0.135 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 JAMES ST
City	ESCONDIDO
State	CA
Zip	92027-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	LOT 20 TR 007360
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	007360
Legal Block	3
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20712

Owner

Source: San Diego County records, as of July 22, 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	320 JAMES ST, ESCONDIDO, CA 92027-5316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Grant Deed, Transfer · FHA Mortgage OCMBC INC
Jul 14, 2026	Deed of Trust, Mortgage · Construction Mortgage E HOME LOANS
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Apr 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Dec 7, 2017	Grant Deed, Transfer · FHA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	Dec 7, 2017 · Amount on Record
Deed Document Number	2019559151
Last Transfer Date	Mar 23, 2020
Transfer Doc	0000164635
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 30, 2026
Property Address	320 JAMES ST, ESCONDIDO, CA 92027-5316
Document Number	0000219357
Instrument Date	Jul 22, 2026
Instrument	2026219357
Transaction Type	Transfer
Record Updated	Aug 7, 2026
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85,435.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	320 JAMES ST, ESCONDIDO, CA 92027-5316

Mortgage

Document Number	0000219358,
Date	Jul 30, 2026
Instrument	2026219358

Lender

Name	OCMBC INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2026
Property Address	320 JAMES ST, ESCONDIDO, CA 92027-5316
Document Number	0000200515
Instrument Date	Jul 6, 2026
Instrument	2026200515
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	320 JAMES ST, ESCONDIDO, CA 92027-5316

Mortgage

Document Number	0000200515,
Date	Jul 14, 2026
Instrument	2026200515

Lender

Name	E HOME LOANS

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Nov 6, 2026

Interest

Rate	6.48%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	320 JAMES ST, ESCONDIDO, CA 92027-5316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 JAMES ST, ESCONDIDO, CA 92027-5316

Mortgage

Document Number	0000683164
Date	Nov 3, 2020
Instrument	2020-0683164

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2020
Property Address	320 JAMES ST, ESCONDIDO, CA 92027-5316
Document Number	0000164635
Map Reference	MAP 7360
Instrument Date	Mar 23, 2020
Instrument	2020-0164635
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	320 JAMES ST, ESCONDIDO, CA 92027-5316

Mortgage

Document Number	0000164636
Date	Apr 1, 2020
Instrument	2020-0164636

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2017
Property Address	320 JAMES ST, ESCONDIDO, CA 92027-5316
Document Number	0000570990
Map Reference	MAP7360
Instrument Date	Nov 8, 2017
Instrument	2017-0570990
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

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
Address	320 JAMES ST, ESCONDIDO, CA 92027-5316

Mortgage

Document Number	0000570991
Date	Dec 7, 2017
Instrument	2017-0570991

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Escondido City
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		$464,228 (+2%) Land $245,885 Building $218,343
2025	$5,145.00 (+4.51%) Homeowner's exemption	$455,126 (+4.04%) Land $241,064 Building $214,062
2023	$4,923.00 (+1.11%) Homeowner's exemption	$437,454 Land $231,704 Building $205,750
2022	$4,869.00

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 73% of the US · above 48% of California
Wildfire Likelihood	0.5% 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	CITY OF ESCONDIDO serves 137,044 people · EPA ID CA3710006
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	1 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 293 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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