381 Highland Oaks Ct, Fallbrook, CA 92028 Property Records

San Diego County property record for 381 Highland Oaks Ct, Fallbrook, CA 92028

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 4.5 ba · 4,414 sqft · built 2004
Lot Size	1.68 acres (73,616 sqft)
Owner	2 Individual Names on File
Last Sale	$1,428,000 (Mar 2022)
Tax Bill	$16,239 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`121-351-10-00`

Property Details

APN / Parcel Number

Primary APN	`121-351-10-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Building Area	4,414 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Multi-Family
Lot Area	73,616 sqft

Location & Zoning

Street Address	381 HIGHLAND OAKS CT
City	FALLBROOK
State	CA
Zip	92028-8083
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	A70
Legal Description	LOT 10 TR 011998
Legal Subdivision	SAN DIEGO #4062-1
Legal Tract	011998
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	18619

Owner

381 Highland Oaks Ct, a residential property, is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083
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
Mar 28, 2022	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Feb 7, 2019	Deed of Trust, Mortgage · Line of Credit JUSTICE FEDERAL CREDIT UNION
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOWER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2022 · Amount on File
Deed Sale	Mar 28, 2022 · Amount on File
Prior Sale	May 29, 2014 · Amount on File
Deed Document Number	2022136729
Prior Transfer Date	Jan 28, 2003
Prior Transfer Doc	0000102737
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2022
Property Address	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083
Document Number	0000136729
Map Reference	MAP 11998
Instrument Date	Feb 17, 2022
Instrument	2022-0136729
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083

Mortgage

Document Number	0000136730
Date	Mar 28, 2022
Instrument	2022-0136730

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083

Mortgage

Document Number	0000044333
Date	Feb 7, 2019
Instrument	2019-0044333

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Dec 28, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000515770
Date	Nov 3, 2017
Instrument	2017-0515770

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	381 HIGHLAND OAKS CT, FALLBROOK, CA 92028-8083
Document Number	0000018877
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	381 HIGHLAND OAKS CT FALLBROOK CA 920288083, FALLBROOK, CA 92028-8083

Mortgage

Document Number	0000018877
Date	Jan 17, 2019
Instrument	18877

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 381 Highland Oaks Ct was $16,239 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Fallbrook Union Elementary School District (KG - 08)
Secondary School District	Fallbrook Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,545,711 (+2%) Land $725,229 Building $820,482
2025	$16,239.00 Homeowner's exemption	$1,515,404 Land $711,009 Building $804,395
2023	$15,377.00 (+87.98%) Homeowner's exemption	$1,456,560 Land $683,400 Building $773,160
2022	$8,180.00

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

Flood

FEMA maps place 381 Highland Oaks Ct 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 8 (10% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 381 Highland Oaks Ct is moderate, ranking above 65% 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 65% of the US · above 40% 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.

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

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	10 / 1

May also be available: Spectrum, Verizon.

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