4560 Lake Sycamore Dr, Fallbrook, CA 92028 Property Records

San Diego County property record for 4560 Lake Sycamore Dr, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,153 sqft · built 1999
Lot Size	1.91 acres (83,200 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jul 2019)
Tax Bill	$12,888 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`123-492-18-00`

Property Details

APN / Parcel Number

Primary APN	`123-492-18-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,153 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	83,200 sqft
View / Lot	Pond
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	4560 LAKE SYCAMORE DR
City	FALLBROOK
State	CA
Zip	92028-9653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 16 TR 009829
Legal Subdivision	SAN DIEGO 3725-1
Legal Tract	009829
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	1
Census Block	1013
Census Tract	18804

Owner

4560 Lake Sycamore Dr is owned and occupied by two individuals who bought it in July 2019.

Source: San Diego County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPL
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jul 9, 2019	Grant Deed, Transfer · ARM CSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Prior Sale	Sep 12, 2014 · Amount on File
Deed Document Number	2019271397
Prior Transfer Date	May 24, 2002
Prior Transfer Doc	0000471959
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 21, 2026
Property Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653
Document Number	0000246428
Instrument Date	Aug 17, 2026
Instrument	2026246428
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SPL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653

Mortgage

Document Number	0000246428,
Date	Aug 21, 2026
Instrument	2026246428

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653

Mortgage

Document Number	0000148751
Date	Apr 5, 2022
Instrument	2022-0148751

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653

Mortgage

Document Number	0000344719
Date	May 4, 2021
Instrument	2021-0344719

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 9, 2019
Property Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653
Document Number	0000271397
Map Reference	MAP 9829
Instrument Date	Apr 24, 2019
Instrument	2019-0271397
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Community Property
Address	4560 LAKE SYCAMORE DR, FALLBROOK, CA 92028-9653

Mortgage

Document Number	0000271398
Date	Jul 9, 2019
Instrument	2019-0271398

Lender

Name	CSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.4%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	12.4%
Index	1-Year LIBOR
Max Rate	12.4%

Tax Assessment & Valuation

The 2025 property tax bill for 4560 Lake Sycamore Dr was $12,888 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
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		$1,227,066 (+2%) Land $390,429 Building $836,637
2025	$12,888.00 Homeowner's exemption	$1,203,007 Land $382,774 Building $820,233
2023	$12,210.00 (-0.04%) Homeowner's exemption	$1,156,294 Land $367,911 Building $788,383
2022	$12,215.00

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

Flood

FEMA maps place 4560 Lake Sycamore Dr 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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 4560 Lake Sycamore Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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	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 49 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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