431 Park Ranch Pl, Escondido, CA 92025 Property Records

San Diego County property record for 431 Park Ranch Pl, Escondido, CA 92025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,555 sqft · built 2000
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$749,000 (Dec 2015)
Tax Bill	$10,065 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`239-210-21-00`

Property Details

APN / Parcel Number

Primary APN	`239-210-21-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,555 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	30,056 sqft (0.69 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	431 PARK RANCH PL
City	ESCONDIDO
State	CA
Zip	92025-7372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-30
Legal Description	LOT 10 TR 011966
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	011966
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1011
Census Tract	20708

Owner

431 Park Ranch Pl is owned and occupied by two individuals who bought it in December 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 721405, SAN DIEGO, CA 92172-1405
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 17, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage LOANLEADERS OF AMERICA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2015 · Amount on File
Deed Sale	Dec 17, 2015 · Amount on File
Prior Sale	Dec 27, 1996 · Amount on File
Deed Document Number	2015646221
Prior Transfer Date	Jul 5, 2000
Prior Transfer Doc	0000361842
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	431 PARK RANCH PL, ESCONDIDO, CA 92025-7372
Transaction Type	Mortgage
Record Updated	Apr 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 721405, SAN DIEGO, CA 92172-1405

Mortgage

Document Number	0000096108
Date	Apr 13, 2023
Instrument	2023-0096108

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Mar 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	431 PARK RANCH PL, ESCONDIDO, CA 92025-7372
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PARK RANCH PL, ESCONDIDO, CA 92025-7372

Mortgage

Document Number	0000445731
Date	Jun 17, 2021
Instrument	2021-0445731

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	431 PARK RANCH PL, ESCONDIDO, CA 92025-7372
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 721405, SAN DIEGO, CA 92172-1405

Mortgage

Document Number	0000509365
Date	Sep 2, 2020
Instrument	2020-0509365

Lender

Name	LOANLEADERS OF AMERICA INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 431 Park Ranch Pl was $10,065 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
Municipality	Escondido City
Elementary School District	Escondido Union Elementary School District (KG - 08)
Secondary School District	Escondido Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$904,385 (+2%) Land $312,504 Building $591,881
2025	$10,065.00 Homeowner's exemption	$886,653 Land $306,377 Building $580,276
2023	$9,634.00 (+1.08%) Homeowner's exemption	$852,226 Land $294,481 Building $557,745
2022	$9,531.00

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

Flood

FEMA maps place 431 Park Ranch Pl in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 431 Park Ranch Pl is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CITY OF ESCONDIDO serves 137,044 people · EPA ID CA3710006
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	1 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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