5438 Villas Dr, Bonsall, CA 92003 Property Records

San Diego County property record for 5438 Villas Dr, Bonsall, CA 92003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,482 sqft · built 1980
Lot Size	0.44 acres (1,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2021)
Tax Bill	$4,456 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`126-420-10-00`

Property Details

APN / Parcel Number

Primary APN	`126-420-10-00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,482 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	1,931 sqft (0.44 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5438 VILLAS DR
City	BONSALL
State	CA
Zip	92003-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 10 TR 009180
Legal Subdivision	SAN DIEGO 3698-1
Legal Tract	009180
Legal Block	4
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	4
Census Block	4001
Census Tract	18803

Owner

Source: San Diego County records, as of July 28, 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	5438 VILLAS DR, BONSALL, CA 92003-5207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Aug 24, 2021	Grant Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 24, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Aug 27, 2008 · Amount on Record
Deed Document Number	2021600146
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	0000600146
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5438 VILLAS DR, BONSALL, CA 92003-5207
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 879, BONSALL, CA 92003-0879

Mortgage

Document Number	0000164375
Date	Apr 14, 2022
Instrument	2022-0164375

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2021
Property Address	5438 VILLAS DR, BONSALL, CA 92003-5207
Document Number	0000600146
Map Reference	MAP 9180
Instrument Date	Jun 28, 2021
Instrument	2021-0600146
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5438 VILLAS DR, BONSALL, CA 92003-5207

Mortgage

Document Number	0000600147
Date	Aug 24, 2021
Instrument	2021-0600147

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 24, 2019
Property Address	5438 VILLAS DR, BONSALL, CA 92003-5207
Document Number	0000603901
Instrument Date	Dec 10, 2019
Instrument	603901
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	549 RANCHO DEL CERRO FALLBROOK CA 920288499, FALLBROOK, CA 92028-8499
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$438,383 (+2%) Land $248,958 Building $189,425
2025	$4,456.00 (+4.16%) Homeowner's exemption	$429,788 (+4.04%) Land $244,077 Building $185,711
2023	$4,278.00 (+1.78%) Homeowner's exemption	$413,100 Land $234,600 Building $178,500
2022	$4,203.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 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 53% of the US · lower than 68% 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.

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Verizon.

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