638 Calle Montera, Escondido, CA 92025 Property Records

San Diego County property record for 638 Calle Montera, Escondido, CA 92025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,178 sqft · built 1994
Lot Size	0.125 acres (5,451 sqft)
Owner	Company Name on Record
Last Sale	$480,000 (Apr 2003)
Tax Bill	$8,780 (2025)
Deeds & Mortgages	Feb 2017 Reverse Mortgage Jun 2020 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`271-110-06-00`

Property Details

APN / Parcel Number

Primary APN	`271-110-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,178 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	5,451 sqft (0.125 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	638 CALLE MONTERA
City	ESCONDIDO
State	CA
Zip	92025-7957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-P
Legal Description	LOT 6 TR 012470
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	012470
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1023
Census Tract	20710

Owner

Source: San Diego County records, as of July 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	638 CALLE MONTERA, ESCONDIDO, CA 92025-7957
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2017	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC
Jun 9, 2020	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 31, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2003 · Amount on Record
Deed Sale	Apr 24, 2003 · Amount on Record
Prior Sale	Jan 20, 2000 · Amount on Record
Deed Document Number	2003477993
Last Transfer Date	Jan 30, 2007
Transfer Doc	0000489266
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	638 CALLE MONTERA, ESCONDIDO, CA 92025-7957
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063085
Date	Feb 7, 2017
Instrument	2017-0063085

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company
Address	RICHMOND, VA 23225

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	833 Months
Due	Jul 10, 2086

Interest

Rate Type	Adjustable Rate
Rate	5.09%
Type Change Date	Feb 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	638 CALLE MONTERA, ESCONDIDO, CA 92025-7957
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000295310
Date	Jun 9, 2020
Instrument	2020-0295310

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	793 Months
Due	Jul 10, 2086

Interest

Rate Type	Adjustable Rate
Rate	2.42%
Type Change Date	Jul 1, 2021
Change Frequency	Monthly
Index	1-Year LIBOR

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	638 CALLE MONTERA, ESCONDIDO, CA 92025-7957
Document Number	0000295311
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	638 CALLE MONTERA ESCONDIDO CA 920257957, ESCONDIDO, CA 92025-7957

Mortgage

Document Number	0000295311
Date	Jun 9, 2020
Instrument	295311

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	792 Months
Due	Jun 8, 2086

Interest

Rate Type	Adjustable Rate
Rate	2.42%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	638 CALLE MONTERA, ESCONDIDO, CA 92025-7957
Document Number	0000063086
Instrument Date	Jan 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	638 CALLE MONTERA ESCONDIDO CA 920257957, ESCONDIDO, CA 92025-7957

Mortgage

Document Number	0000063086
Date	Feb 7, 2017
Instrument	63086

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	828 Months
Due	Feb 6, 2086

Interest

Rate Type	Adjustable Rate
Rate	5.09%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Escondido City
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		$782,349 (+2%) Land $328,999 Building $453,350
2025	$8,780.00 (+4.42%)	$767,010 (+4.04%) Land $322,549 Building $444,461
2023	$8,408.00 (+1.07%)	$737,228 Land $310,025 Building $427,203
2022	$8,319.00

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
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 47% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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	CITY OF ESCONDIDO serves 137,044 people · EPA ID CA3710006
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	1 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 32 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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