3900 Ladera Vista Rd, Fallbrook, CA 92028 Property Records

San Diego County property record for 3900 Ladera Vista Rd, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,454 sqft · built 1972
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Mar 2013)
Tax Bill	$5,323 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`123-420-24-00`

Property Details

APN / Parcel Number

Primary APN	`123-420-24-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,454 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Lot Area	52,708 sqft
View / Lot	Pond
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3900 LADERA VISTA RD
City	FALLBROOK
State	CA
Zip	92028-9430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 7-10-3W LOT 3 1.21 AC M/L IN
Legal Range	03W
Legal Township	10
Legal Section	07
Legal Subdivision	SAN BERNARDINO MERIDIAN
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	1
Census Block	1014
Census Tract	18801

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 Individual Names on Record
Mailing Address	3900 LADERA VISTA RD, FALLBROOK, CA 92028-9430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Aug 6, 2019	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2013 · Amount on Record
Deed Sale	Mar 8, 2013 · Amount on Record
Prior Sale	Dec 15, 1994 · Amount on Record
Deed Document Number	2013150679
Prior Transfer Date	Feb 5, 2013
Prior Transfer Doc	0000150677
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3900 LADERA VISTA RD, FALLBROOK, CA 92028-9430
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326307
Date	Aug 6, 2019
Instrument	2019-0326307

Lender

Name	BANNER BANK
Type	Mortgage Company
Address	SAN DIEGO, CA 92106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3900 LADERA VISTA RD, FALLBROOK, CA 92028-9430
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326306
Date	Aug 6, 2019
Instrument	2019-0326306

Lender

Name	BANNER BANK
Type	Mortgage Company
Address	SAN DIEGO, CA 92106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3900 LADERA VISTA RD, FALLBROOK, CA 92028-9430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 LADERA VISTA RD, FALLBROOK, CA 92028-9430

Mortgage

Document Number	0000571230
Date	Sep 25, 2020
Instrument	2020-0571230

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$502,408 (+2%) Land $161,141 Building $341,267
2025	$5,323.00 (+5.43%)	$492,558 (+4.04%) Land $157,982 Building $334,576
2023	$5,049.00 (-0.04%)	$473,434 Land $151,849 Building $321,585
2022	$5,051.00

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	1 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 59% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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 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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