381 Rancho Camino, Fallbrook, CA 92028 Property Records

San Diego County property record for 381 Rancho Camino, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,586 sqft · built 1990
Lot Size	1.06 acres (46,609 sqft)
Owner	2 Individual Names on File
Last Sale	$548,000 (Feb 2013)
Tax Bill	$3,792 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`123-410-69-00`

Property Details

APN / Parcel Number

Primary APN	`123-410-69-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,586 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	46,609 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	381 RANCHO CAMINO
City	FALLBROOK
State	CA
Zip	92028-8488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 TR PM15152
Legal Subdivision	PARCEL MAP NO 15152
Legal Tract	15152
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	1
Census Block	1007
Census Tract	18804

Owner

381 Rancho Camino is owned and occupied by two individuals who bought it in February 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	381 RANCHO CAMINO, FALLBROOK, CA 92028-8488
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
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Sep 30, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2013 · Amount on File
Deed Sale	Feb 20, 2013 · Amount on File
Prior Sale	Nov 17, 1989 · Amount on File
Deed Document Number	2013111717
Prior Transfer Date	Apr 26, 2010
Prior Transfer Doc	0000214584
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	381 RANCHO CAMINO, FALLBROOK, CA 92028-8488
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 RANCHO CAMINO, FALLBROOK, CA 92028-8488

Mortgage

Document Number	0000773890
Date	Nov 8, 2021
Instrument	2021-0773890

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2041

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	381 RANCHO CAMINO, FALLBROOK, CA 92028-8488
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431007
Date	Sep 30, 2019
Instrument	2019-0431007

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	381 RANCHO CAMINO, FALLBROOK, CA 92028-8488
Document Number	0000364930
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	381 RANCHO CAMINO FALLBROOK CA 920288488, FALLBROOK, CA 92028-8488

Mortgage

Document Number	0000364930
Date	Aug 11, 2017
Instrument	364930

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 381 Rancho Camino was $3,792 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		$364,053 (+2%) Land $105,126 Building $258,927
2025	$3,792.00 Homeowner's exemption	$356,915 Land $103,065 Building $253,850
2023	$3,596.00 Homeowner's exemption	$343,058 Land $99,064 Building $243,994
2022	$3,596.00

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

Flood

FEMA maps place 381 Rancho Camino 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	6 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 Rancho Camino is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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	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 45 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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