San Diego County property record for 4861 Lake Shore Pl, Fallbrook, CA 92028
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,350 sqft · built 1998 |
| Lot Size | 0.109 acres (4,740 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Aug 2016) |
| Tax Bill | $5,072 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Sep 2021 Mortgage + 6 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 125-254-11-00 |
| Primary APN | 125-254-11-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,350 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 4,740 sqft (0.109 acres) |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 1252524800 |
|---|---|
| Street Address | 4861 LAKE SHORE PL |
| City | FALLBROOK |
| State | CA |
| Zip | 92028-7827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LOT 205 TR 011877 |
| Legal Subdivision | SAN DIEGO 4249-1 |
| Legal Tract | 011877 |
| Legal Block | 1 |
| Legal Lot Number | 205 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | PAUMA VALLEY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 19109 |
4861 Lake Shore Pl is owned and occupied by an individual who bought it in August 2016.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · VA Mortgage GENEVA FINANCIAL LLC |
| Sep 17, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 8, 2025 | Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Apr 10, 2017 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 15, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 13, 2020 | Deed of Trust, Mortgage · VA Mortgage ORION LNDG |
| Oct 15, 2019 | Deed of Trust, Mortgage · VA Mortgage ORION LNDG |
| Nov 10, 2017 | Deed of Trust, Mortgage · VA Mortgage ENDEAVOR AMERICA LOAN SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2016 · Amount on File |
| Deed Sale | Aug 26, 2016 · Amount on File |
| Prior Sale | Dec 28, 2007 · Amount on File |
| Deed Document Number | 2016445401 |
| Prior Transfer Date | Aug 24, 2016 |
| Prior Transfer Doc | 0000445402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000024060 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 2024-0024060 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85225 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000660709 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 2021-0660709 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000345965 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 2025-0345965 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000159854 |
|---|---|
| Date | Apr 10, 2017 |
| Instrument | 2017-0159854 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.25% |
| Index | 1-Year CMT |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE SAN DIE |
| Name | Verified Name |
|---|---|
| Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000016302 |
|---|---|
| Date | Jan 15, 2019 |
| Instrument | 2019-0016302 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000468963 |
| Instrument Date | Aug 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 4861 LAKE SHORE PL FALLBROOK CA 920287827, FALLBROOK, CA 92028-7827 |
| Document Number | 0000468963 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 468963 |
| Name | ORION LNDG |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 18, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000474731 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 4861 LAKE SHORE PL FALLBROOK CA 920287827, FALLBROOK, CA 92028-7827 |
| Document Number | 0000474731 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 474731 |
| Name | ORION LNDG |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4861 LAKE SHORE PL, FALLBROOK, CA 92028-7827 |
| Document Number | 0000534827 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 4861 LAKE SHORE PL FALLBROOK CA 920287827, FALLBROOK, CA 92028-7827 |
| Document Number | 0000534827 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | 534827 |
| Name | ENDEAVOR AMERICA LOAN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 15, 2047 |
The 2025 property tax bill for 4861 Lake Shore Pl was $5,072, 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 | $491,265 (+2%) Land $206,926 Building $284,339 | |
| 2025 | $5,072.00 (+1.87%) | $481,633 Land $202,869 Building $278,764 |
| 2024 | $4,979.00 (+2.24%) | |
| 2023 | $4,870.00 (+1.73%) | $462,934 Land $194,993 Building $267,941 |
| 2022 | $4,787.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4861 Lake Shore Pl 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 4861 Lake Shore Pl is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 64% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 537 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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