520 Rancho Ter, Escondido, CA 92026 Property Records

San Diego County property record for 520 Rancho Ter, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,478 sqft · built 1971
Lot Size	0.239 acres (10,415 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,564 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`187-291-10-00`

Property Details

APN / Parcel Number

Primary APN	`187-291-10-00`
Alternative APN	`1872906000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,478 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	10,415 sqft (0.239 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1872906000
Street Address	520 RANCHO TER
City	ESCONDIDO
State	CA
Zip	92026-8841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 33-11-2W SW 1/4 OF POR NW 1/4 OF NE 1/4 OF
Legal Range	02W
Legal Township	11
Legal Section	33
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	20111

Owner

520 Rancho Ter is owned and occupied by two individuals who acquired it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 RANCHO TER, ESCONDIDO, CA 92026-8841
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020
Deed Sale	Oct 13, 2020
Prior Sale	Nov 30, 2010 · Amount on File
Deed Document Number	2020617950
Prior Transfer Date	Oct 6, 2020
Prior Transfer Doc	0000617950
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2020
Property Address	520 RANCHO TER, ESCONDIDO, CA 92026-8841
Document Number	0000617950
Instrument Date	Oct 6, 2020
Instrument	2020-0617950
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 RANCHO TER, ESCONDIDO, CA 92026-8841

Mortgage

Document Number	0000617951
Date	Oct 13, 2020
Instrument	2020-0617951

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 520 Rancho Ter was $3,564 with a veteran'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	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		$437,761 (+2%) Land $227,511 Building $210,250
2025	$3,564.00	$429,178 Land $223,050 Building $206,128
2023	$5,194.00 (+1.54%) Homeowner's exemption	$412,515 Land $214,390 Building $198,125
2022	$5,115.00

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

Flood

FEMA maps place 520 Rancho Ter 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	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

Wildfire risk around 520 Rancho Ter is moderate, ranking above 57% 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 57% of the US · lower than 65% of California
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VALLEY CENTER MWD serves 30,166 people · EPA ID CA3710026
Water Source	Purchased surface water from SAN DIEGO COUNTY WATER AUTHORITY
Last State Inspection	Apr 2021
Lead	4 ppb (2020–2022) 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 127 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
T-Mobile Fixed Wireless	100 / 20