San Diego County property record for 3521 Lake Garden Dr, Fallbrook, CA 92028
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,101 sqft · built 1972 |
| Lot Size | 0.317 acres (13,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $204,000 (Nov 1998) |
| Tax Bill | $3,663 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 124-240-09-00 |
| Primary APN | 124-240-09-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,101 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 13,792 sqft (0.317 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3521 LAKE GARDEN DR |
|---|---|
| City | FALLBROOK |
| State | CA |
| Zip | 92028-8887 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 16 TR 005411 |
| Legal Subdivision | LIVE OAK ESTATES |
| Legal Tract | 005411 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | FALLBROOK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 18805 |
3521 Lake Garden Dr is owned and occupied by two individuals who bought it in November 1998.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3521 LAKE GARDEN DR, FALLBROOK, CA 92028-8887 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 1998 · Amount on File |
| Deed Sale | Nov 17, 1998 · Amount on File |
| Prior Sale | Jul 1, 1988 · Amount on File |
| Deed Document Number | 1998745130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3521 LAKE GARDEN DR, FALLBROOK, CA 92028-8887 |
| Document Number | 0000778683 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | WFG TITLE COMPANY/CA, WFG TITLE CO/CA |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3521 LAKE GARDEN DR FALLBROOK CA 920288887, FALLBROOK, CA 92028-8887 |
| Document Number | 0000778683 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | 778683 |
| Name | L ALLEY LOANS INC L ALLEY LOANS INC |
|---|---|
| Type | Bank |
| Address | HUNTINGTON BEACH, CA 92648 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2050 |
The 2025 property tax bill for 3521 Lake Garden Dr was $3,663 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Bonsall Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $361,136 (+2%) Land $102,568 Building $258,568 | |
| 2025 | $3,663.00 Homeowner's exemption | $354,056 Land $100,557 Building $253,499 |
| 2023 | $3,517.00 (+1.77%) Homeowner's exemption | $340,309 Land $96,653 Building $243,656 |
| 2022 | $3,456.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3521 Lake Garden Dr in Zone X, an area of minimal flood risk.
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 |
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 risk around 3521 Lake Garden Dr is high, ranking above 71% 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 | High above 71% of the US · above 46% of California |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 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 |
| 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 101 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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