San Diego County property record for 3954 Lake Shore St, Fallbrook, CA 92028
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,414 sqft · built 2008 |
| Lot Size | 0.122 acres (5,323 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $882,000 (Apr 2026) |
| Tax Bill | $9,151 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Mar 2023 Transfer + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 125-282-26-00 |
| Primary APN | 125-282-26-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,414 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Lot Area | 5,323 sqft (0.122 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 3954 LAKE SHORE ST |
|---|---|
| City | FALLBROOK |
| State | CA |
| Zip | 92028-7878 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LOT 189 TR 012848 |
| Legal Subdivision | SAN DIEGO #4249-3 |
| Legal Tract | 012848 |
| Legal Block | 1 |
| Legal Lot Number | 189 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | PAUMA VALLEY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 19109 |
3954 Lake Shore St is owned and occupied by two individuals who bought it in April 2026.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| 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.
| Date | Document |
|---|---|
| Apr 7, 2026 | Grant Deed, Transfer · Conventional Mortgage EASY MORTGAGE |
| Mar 29, 2023 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE |
| Mar 29, 2023 | Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Dec 29, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 6, 2020 | Deed of Trust, Mortgage · VA Mortgage ELEVEN MTG |
| Sep 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2026 · Amount on File |
| Deed Sale | Apr 7, 2026 · Amount on File |
| Prior Sale | Mar 29, 2023 · Amount on File |
| Deed Document Number | 202695894 |
| Prior Transfer Date | Mar 28, 2023 |
| Prior Transfer Doc | 0000081014 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 7, 2026 |
| Property Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000095894 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 202695894 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $97,990.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000095895, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 202695895 |
| Name | EASY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 29, 2023 |
| Property Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000081014 |
| Map Reference | MAP 12848 |
| Instrument Date | Mar 28, 2023 |
| Instrument | 2023-0081014 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 29, 2023 |
| Property Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000081015 |
| Map Reference | MAP 12848 |
| Instrument Date | Mar 1, 2023 |
| Instrument | 2023-0081015 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000081016 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 2023-0081016 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000843432 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 2020-0843432 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Instrument Date | Feb 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3132 TEA PARTY LN SAN DIEGO CA 921243656, SAN DIEGO, CA 92124-3656 |
| Document Number | 76855 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 76855 |
| Name | ELEVEN MTG |
|---|---|
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3954 LAKE SHORE ST, FALLBROOK, CA 92028-7878 |
| Document Number | 0000430546 |
| Instrument Date | Sep 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3954 LAKE SHORE ST FALLBROOK CA 920287878, FALLBROOK, CA 92028-7878 |
| Document Number | 0000430546 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 430546 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48266-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2049 |
The 2025 property tax bill for 3954 Lake Shore St was $9,151, up 1.9% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Bonsall Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $848,964 (+2%) Land $85,994 Building $762,970 | |
| 2025 | $9,151.00 (+1.95%) | $832,318 Land $84,308 Building $748,010 |
| 2024 | $8,976.00 (+34.71%) | |
| 2023 | $6,663.00 (+1.65%) | $601,271 Land $60,905 Building $540,366 |
| 2022 | $6,555.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3954 Lake Shore St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 risk around 3954 Lake Shore St is moderate, ranking above 66% 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 66% of the US · above 41% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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