38484 Rancho Heights Way, Pala, CA 92059 Property Records

San Diego County property record for 38484 Rancho Heights Way, Pala, CA 92059

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,985 sqft · built 2008
Lot Size	2.93 acres (128,066 sqft)
Owner	2 Trust Names on File
Last Sale	$400,000 (Feb 2010)
Tax Bill	$5,454 (2025)
Deeds & Mortgages	Sep 2023 Transfer Sep 2020 Transfer + 7 more
Flood Zone	Zone D (undetermined)
APN	`109-382-09-00`

Property Details

APN / Parcel Number

Primary APN	`109-382-09-00`
Alternative APN	`1091004900`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,985 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	128,066 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1091004900
Street Address	38484 RANCHO HEIGHTS WAY
City	PALA
State	CA
Zip	92059-1845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 11-9-2W NEQ ALL BET PAR 1A&1B PER D74-76653 IN D70-178470 IN
Legal Range	02W
Legal Township	09
Legal Section	11
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	PAUMA VALLEY
Census Block Group	2
Census Block	2009
Census Tract	19108

Owner

38484 Rancho Heights Way is owner-occupied and held in a trust since September 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 22, 2023	Intrafamily Transfer, Transfer
Sep 8, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Aug 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FISHER FINANCIAL GROUP INC
Oct 1, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 19, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FISHER FINANCIAL GROUP INC
Mar 6, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Dec 29, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FISHER FINANCIAL GROUP INC
Feb 17, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 24, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSCHOICE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2010 · Amount on File
Deed Sale	Feb 1, 2010 · Amount on File
Prior Sale	May 13, 2009 · Amount on File
Deed Document Number	201050486
Last Transfer Date	Sep 11, 2023
Transfer Doc	0000258265
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2023
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000258265
Instrument Date	Sep 11, 2023
Instrument	2023-0258265
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2020
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000521120
Instrument Date	Aug 14, 2020
Instrument	521120
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38484 RANCHO HEIGHTS WAY PALA CA 920591845, PALA, CA 92059-1845

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 12, 2020
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000450373
Instrument Date	Aug 4, 2020
Instrument	2020-0450373
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845

Mortgage

Document Number	0000450374
Date	Aug 12, 2020
Instrument	2020-0450374

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2019
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000436190
Instrument Date	Sep 24, 2019
Instrument	436190
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38484 RANCHO HEIGHTS WAY PALA CA 920591845, PALA, CA 92059-1845

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2019
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000410762
Instrument Date	Sep 10, 2019
Instrument	2019-0410762
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845

Mortgage

Document Number	0000410763
Date	Sep 19, 2019
Instrument	2019-0410763

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 6, 2018
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000087490
Instrument Date	Feb 14, 2018
Instrument	87490
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38484 RANCHO HEIGHTS WAY PALA CA 920591845, PALA, CA 92059-1845

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 29, 2017
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000617202
Instrument Date	Nov 22, 2017
Instrument	2017-0617202
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845

Mortgage

Document Number	0000617203
Date	Dec 29, 2017
Instrument	2017-0617203

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 17, 2017
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000080135
Instrument Date	Jan 31, 2017
Instrument	80135
Transaction Type	Transfer
Record Updated	Feb 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38484 RANCHO HEIGHTS WAY PALA CA 920591845, PALA, CA 92059-1845

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 24, 2017
Property Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845
Document Number	0000035280
Instrument Date	Dec 19, 2016
Instrument	2017-0035280
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	38484 RANCHO HEIGHTS WAY, PALA, CA 92059-1845

Mortgage

Document Number	0000035281
Date	Jan 24, 2017
Instrument	2017-0035281

Lender

Name	NATIONSCHOICE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38484 Rancho Heights Way was $5,454 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
Unified School District	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$526,638 (+2%) Land $175,106 Building $351,532
2025	$5,454.00 Homeowner's exemption	$516,313 Land $171,673 Building $344,640
2023	$5,264.00 (+1.52%) Homeowner's exemption	$496,265 Land $165,007 Building $331,258
2022	$5,185.00

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

Flood

FEMA maps place 38484 Rancho Heights Way in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 38484 Rancho Heights Way is extreme, ranking above 99.4% of the US, with a 4% annual chance of wildfire.

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

Wildfire Risk	Extreme above 99.4% of the US · above 96% of California
Wildfire Likelihood	4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Accel Wireless Fixed Wireless	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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