537 Rancho del Cerro, Fallbrook, CA 92028 Property Records

San Diego County property record for 537 Rancho del Cerro, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,182 sqft · built 1983
Lot Size	2.81 acres (122,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Nov 2016)
Tax Bill	$9,096 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`121-311-04-00`

Property Details

APN / Parcel Number

Primary APN	`121-311-04-00`
Alternative APN	`1211710300`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	3,182 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	122,839 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1211710300
Street Address	537 RANCHO DEL CERRO
City	FALLBROOK
State	CA
Zip	92028-8499
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 3 TR PM01329
Legal Subdivision	PARCEL MAP NO 1329
Legal Tract	1329
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1019
Census Tract	18619

Owner

Source: San Diego County records, as of July 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	537 RANCHO DEL CERRO, FALLBROOK, CA 92028-8499
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2016 · Amount on Record
Deed Sale	Nov 1, 2016 · Amount on Record
Prior Sale	Sep 3, 2015 · Amount on Record
Deed Document Number	2016593417
Prior Transfer Date	Nov 29, 1994
Prior Transfer Doc	0000118640
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	537 RANCHO DEL CERRO, FALLBROOK, CA 92028-8499
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 RANCHO DEL CERRO, FALLBROOK, CA 92028-8499

Mortgage

Document Number	0000321015
Date	Apr 26, 2021
Instrument	2021-0321015

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	537 RANCHO DEL CERRO, FALLBROOK, CA 92028-8499
Document Number	0000544665
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	537 RANCHO DEL CERRO FALLBROOK CA 920288499, FALLBROOK, CA 92028-8499

Mortgage

Document Number	0000544665
Date	Nov 22, 2017
Instrument	544665

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 21, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$887,721 (+2%) Land $295,947 Building $591,774
2025	$9,096.00 (+3.99%) Homeowner's exemption	$870,316 (+4.04%) Land $290,145 Building $580,171
2023	$8,747.00 (+1.73%) Homeowner's exemption	$836,523 Land $278,879 Building $557,644
2022	$8,598.00

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

Flood

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 8 (10% premium discount)
Nearby Flood Policies	5 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

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

Wildfire Risk	Moderate above 68% of the US · above 43% of California
Wildfire Likelihood	0.3% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Spectrum, Verizon.

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