35123 Bergamot Cv, Fallbrook, CA 92028 Property Records

San Diego County property record for 35123 Bergamot Cv, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,341 sqft · built 2023
Owner	2 Individual Names on Record
Last Sale	$759,500 (May 2023)
Tax Bill	$12,869 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-520-24-00`

Property Details

APN / Parcel Number

Primary APN	`108-520-24-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,341 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	35123 BERGAMOT CV
City	FALLBROOK
State	CA
Zip	92028-6570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	LOT 192 TR 016444
Legal Subdivision	SAN DIEGO 5354-2
Legal Tract	016444
Legal Block	1
Legal Lot Number	192
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	1
Census Block	1069
Census Tract	19002

Owner

Source: San Diego County records, as of July 21, 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	35123 BERGAMOT CV, FALLBROOK, CA 92028-6570
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2023 · Amount on Record
Deed Sale	May 11, 2023 · Amount on Record
Deed Document Number	2023122774
Record Updated	Sep 20, 2026

May 2023: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2023
Property Address	35123 BERGAMOT CV, FALLBROOK, CA 92028-6570
Document Number	0000122774
Map Reference	MAP 16444
Instrument Date	May 1, 2023
Instrument	2023-0122774
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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	Joint Tenants with Right of Survivorship
Address	35123 BERGAMOT CV, FALLBROOK, CA 92028-6570

Mortgage

Document Number	0000122775
Date	May 11, 2023
Instrument	2023-0122775

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$805,595 (+2%) Land $269,546 Building $536,049
2025	$12,869.00 (+48.76%)	$789,800 (+95.58%) Land $264,261 Building $525,539
2023	$8,651.00 (+1,153.77%)	$403,820 Land $63,820 Building $340,000
2022	$690.00

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
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	19 (1978–2019)
Claims Outside the SFHA	6 of 19
Most Recent Claim	Mar 2019
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims Severe Winter Storm, Mud & Land Slides, & Flooding, Feb 1993 · 5 claims

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	High above 77% of the US · above 53% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 509 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20