San Diego County property record for 637 Rancho del Cerro, Fallbrook, CA 92028
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,267 sqft · built 1976 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Oct 2018) |
| Tax Bill | $7,470 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 121-172-06-00 |
| Primary APN | 121-172-06-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,267 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Lot Area | 108,900 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 1211714500 |
|---|---|
| Street Address | 637 RANCHO DEL CERRO |
| City | FALLBROOK |
| State | CA |
| Zip | 92028-8966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | PAR 1 TR PM02800 |
| Legal Tract | 2800 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 18619 |
637 Rancho del Cerro is owned and occupied by two individuals who acquired it in May 2022.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 637 RANCHO DEL CERRO, FALLBROOK, CA 92028-8966 |
| 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.
| Date | Document |
|---|---|
| May 23, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Oct 4, 2018 | Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2018 · Amount on File |
| Deed Sale | Oct 4, 2018 · Amount on File |
| Prior Sale | May 3, 2013 · Amount on File |
| Deed Document Number | 2018414841 |
| Last Transfer Date | May 3, 2022 |
| Transfer Doc | 0000219584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 23, 2022 |
| Property Address | 637 RANCHO DEL CERRO, FALLBROOK, CA 92028-8966 |
| Document Number | 0000219584 |
| Map Reference | PG 2800 |
| Instrument Date | May 3, 2022 |
| Instrument | 2022-0219584 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 637 RANCHO DEL CERRO, FALLBROOK, CA 92028-8966 |
| Document Number | 0000219585 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 2022-0219585 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 4, 2018 |
| Property Address | 637 RANCHO DEL CERRO, FALLBROOK, CA 92028-8966 |
| Document Number | 0000414841 |
| Map Reference | PG 2800 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 2018-0414841 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | GUARDIAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 637 RANCHO DEL CERRO, FALLBROOK, CA 92028-8966 |
| Document Number | 0000414842 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 2018-0414842 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 637 Rancho del Cerro was $7,470.
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 | $722,515 (+2%) Land $466,507 Building $256,008 | |
| 2025 | $7,470.00 | $708,349 Land $457,360 Building $250,989 |
| 2023 | $7,187.00 (+1.71%) | $680,845 Land $439,601 Building $241,244 |
| 2022 | $7,066.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 637 Rancho del Cerro 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 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 risk around 637 Rancho del Cerro is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 42% 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.
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 20 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: Verizon.
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