40616 Rock Mountain Dr, Fallbrook, CA 92028 Property Records

San Diego County property record for 40616 Rock Mountain Dr, Fallbrook, CA 92028 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,032 sqft · built 1990
Lot Size	11.1 acres (485,694 sqft)
Owner	Individual Name on File
Last Sale	$1,895,000 (Jun 2026)
Tax Bill	$16,404 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`102-104-40-00`

Property Details

APN / Parcel Number

Primary APN	`102-104-40-00`
Alternative APN	`1021030600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,032 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	485,694 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1021030600
Street Address	40616 ROCK MOUNTAIN DR
City	FALLBROOK
State	CA
Zip	92028-8589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR 1 TR PM05032
Legal Subdivision	PARCEL MAP NO 5032
Legal Tract	5032
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	1
Census Block	1052
Census Tract	19001

Owner

Source: San Diego County records · APN 102-104-40-00

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Grant Deed, Transfer · Conventional Mortgage MORTGAGE CAPITAL
Aug 02, 2021	Deed of Trust, Mortgage · Line of Credit HSBC BANK USA
Apr 22, 2021	Grant Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE INSURANCE CO
Nov 26, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIREFIGHTERS FIRST CU
Jul 08, 2020	Deed of Trust, Mortgage · Line of Credit FIREFIGHTERS FIRST FCU
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIREFIGHTERS FIRST FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Apr 22, 2021 · Amount on Record
Deed Document Number	2026182942
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 26, 2026
Property Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Document Number	0000182942
Instrument Date	Jun 16, 2026
Instrument	2026182942
Transaction Type	Transfer
Record Updated	Jul 07, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$210,534.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589

Mortgage

Document Number	0000182943,
Date	Jun 26, 2026
Instrument	2026182943

Lender

Name	MORTGAGE CAPITAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000182944,
Date	Jun 26, 2026
Instrument	2026182944

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Amount	Amount Recorded
Term	30 Months
Due	Jul 01, 2056

Interest

Rate	6.36%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589

Mortgage

Document Number	0000548908
Date	Aug 02, 2021
Instrument	2021-0548908

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2021
Property Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Document Number	0000310028
Instrument Date	Mar 29, 2021
Instrument	2021-0310028
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	CALIFORNIA MEMBERS TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000485630
Date	Nov 26, 2018
Instrument	2018-0485630

Lender

Name	FIREFIGHTERS FIRST CU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000361438
Date	Jul 08, 2020
Instrument	2020-0361438

Lender

Name	FIREFIGHTERS FIRST FCU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40616 ROCK MOUNTAIN DR, FALLBROOK, CA 92028-8589

Mortgage

Document Number	0000024401
Date	Jan 13, 2021
Instrument	2021-0024401

Lender

Name	FIREFIGHTERS FIRST FCU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2036

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$1,545,710 (+2%) Land $662,447 Building $883,263
2025	$16,404.00 (+4.72%) Homeowner's exemption	$1,515,403 (+4.04%) Land $649,458 Building $865,945
2023	$15,665.00 (-0.04%) Homeowner's exemption	$1,456,560 Land $624,240 Building $832,320
2022	$15,671.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730190011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	About 1 in 53 per year
Exposure	Direct burnable vegetation at the parcel

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 52 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Southern California Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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