5516 Luna Way, Bonsall, CA 92003 Property Records

San Diego County property record for 5516 Luna Way, Bonsall, CA 92003

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,043 sqft · built 2022
Owner	2 Individual Names on File
Tax Bill	$8,726 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`126-060-85-32`

Property Details

APN / Parcel Number

Primary APN	`126-060-85-32`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,043 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5516 LUNA WAY
City	BONSALL
State	CA
Zip	92003-3742
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RV
Legal Description	LOT 1 US 32 PER DOC21-0259236&UND INT IN MODULE 7 TR 016443
Legal Subdivision	SAN DIEGO #5427-1
Legal Tract	016443
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	3
Census Block	3002
Census Tract	18803

Owner

5516 Luna Way, a condominium, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	5516 LUNA WAY, BONSALL, CA 92003-3742
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 25, 2022	Grant Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5516 LUNA WAY, BONSALL, CA 92003-3742
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5516 LUNA WAY, BONSALL, CA 92003-3742

Mortgage

Document Number	0000104516
Date	Apr 26, 2024
Instrument	2024-0104516

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 25, 2022
Property Address	5516 LUNA WAY, BONSALL, CA 92003-3742
Document Number	0000086914
Map Reference	MAP 16443
Instrument Date	Jan 24, 2022
Instrument	2022-0086914
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL BUILDER SV

Transaction

Amount	Amount 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 with Right of Survivorship
Address	5516 LUNA WAY, BONSALL, CA 92003-3742

Mortgage

Document Number	0000086915
Date	Feb 25, 2022
Instrument	2022-0086915

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5516 Luna Way was $8,726 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
Unified School District	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$761,873 (+2%) Land $335,553 Building $426,320
2025	$8,726.00 Homeowner's exemption	$746,935 Land $328,974 Building $417,961
2023	$8,402.00 (+28.53%) Homeowner's exemption	$717,932 Land $316,200 Building $401,732
2022	$6,537.00

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

Flood

FEMA maps place 5516 Luna Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1993–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 5516 Luna Way 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 66% 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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