3815 Monserate Ter, Fallbrook, CA 92028 Property Records

San Diego County property record for 3815 Monserate Ter, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,725 sqft · built 1984
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Company Names on Record
Last Sale	$895,000 (Sep 2005)
Tax Bill	$11,841 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-480-38-00`

Property Details

APN / Parcel Number

Primary APN	`123-480-38-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,725 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	50,094 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3815 MONSERATE TER
City	FALLBROOK
State	CA
Zip	92028-9011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM11825
Legal Subdivision	PARCEL MAP NO 11825
Legal Tract	11825
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	3
Census Block	3008
Census Tract	18804

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3815 MONSERATE TER, FALLBROOK, CA 92028-9011
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Feb 16, 2017	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2005 · Amount on Record
Deed Sale	Sep 21, 2005 · Amount on Record
Prior Sale	Aug 31, 1987 · Amount on Record
Deed Document Number	2005816271
Prior Transfer Date	Jun 27, 2003
Prior Transfer Doc	0000817451
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3815 MONSERATE TER, FALLBROOK, CA 92028-9011
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 MONSERATE TER, FALLBROOK, CA 92028-9011

Mortgage

Document Number	0000785720
Date	Nov 12, 2021
Instrument	2021-0785720

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3815 MONSERATE TER, FALLBROOK, CA 92028-9011
Document Number	0000086946
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3815 MONSERATE TER FALLBROOK CA 920289011, FALLBROOK, CA 92028-9011

Mortgage

Document Number	0000086946
Date	Feb 23, 2017
Instrument	86946

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 22, 2047

Tax Assessment & Valuation

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		$1,247,433 (+13.4%) Land $696,890 Building $550,543
2025	$11,841.00 (+18.72%)	$1,100,000 (+17.02%) Land $607,000 Building $493,000
2023	$9,974.00 (-2%)	$940,000 Land $519,000 Building $421,000
2022	$10,178.00

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
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

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 93 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

May also be available: AT&T.

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