3455 Bernardo Ln, Escondido, CA 92029 Property Records

San Diego County property record for 3455 Bernardo Ln, Escondido, CA 92029

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,976 sqft · built 1968
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (May 2021)
Tax Bill	$10,852 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`270-270-23-00`

Property Details

APN / Parcel Number

Primary APN	`270-270-23-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,976 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	50,094 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3455 BERNARDO LN
City	ESCONDIDO
State	CA
Zip	92029-6718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	DES PER DOC103450REC68 TR 001415
Legal Subdivision	OAKS
Legal Tract	001415
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2028
Census Tract	20405

Owner

3455 Bernardo Ln is owned and occupied by two individuals who bought it in May 2021.

Source: San Diego County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3455 BERNARDO LN, ESCONDIDO, CA 92029-6718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 11, 2021	Grant Deed, Transfer · Conventional Mortgage AMNET ESOP CORPORATION
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on File
Deed Sale	May 11, 2021 · Amount on File
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	2021360466
Record Updated	Oct 29, 2026

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2021
Property Address	3455 BERNARDO LN, ESCONDIDO, CA 92029-6718
Document Number	0000360466
Map Reference	MAP 1415
Instrument Date	May 5, 2021
Instrument	2021-0360466
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Joint Tenants
Address	3455 BERNARDO LN, ESCONDIDO, CA 92029-6718

Mortgage

Document Number	0000360467
Date	May 11, 2021
Instrument	2021-0360467

Lender

Name	AMNET ESOP CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3455 BERNARDO LN, ESCONDIDO, CA 92029-6718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300880
Date	Jun 11, 2020
Instrument	2020-0300880

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3455 Bernardo Ln was $10,852.

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		$938,465 (+2%) Land $717,651 Building $220,814
2025	$10,852.00	$920,065 Land $703,580 Building $216,485
2023	$10,399.00 (+1.19%)	$884,340 Land $676,260 Building $208,080
2022	$10,277.00

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

Flood

FEMA maps place 3455 Bernardo Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	4 in force
Nearby Flood Claims	2 (1980–1983)
Most Recent Claim	Apr 1983 · tidal / storm surge

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 3455 Bernardo Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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	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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, San Diego Broadband, T-Mobile, Verizon.

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