638 Ray St, Escondido, CA 92026 Property Records

San Diego County property record for 638 Ray St, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,204 sqft · built 1954
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Nov 2018)
Tax Bill	$5,743 (2025)
Deeds & Mortgages	Nov 2018 Transfer Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`227-050-07-00`

Property Details

APN / Parcel Number

Primary APN	`227-050-07-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,204 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Lot Area	10,400 sqft (0.239 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	638 RAY ST
City	ESCONDIDO
State	CA
Zip	92026-2725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	LOT 1 TR 002781
Legal Subdivision	RAY MANOR
Legal Tract	002781
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	20106

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	638 RAY ST, ESCONDIDO, CA 92026-2725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 16, 2018	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 15, 2018	Grant Deed, Transfer · Line of Credit GERALD J RYAN IRA
Dec 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	2018479102
Prior Transfer Date	Nov 6, 2018
Prior Transfer Doc	0000479103
Record Updated	Oct 29, 2026

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 16, 2018
Property Address	638 RAY ST, ESCONDIDO, CA 92026-2725
Document Number	0000479103
Instrument Date	Nov 6, 2018
Instrument	479103
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	638 RAY ST ESCONDIDO CA 920262725, ESCONDIDO, CA 92026-2725

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 16, 2018
Property Address	638 RAY ST, ESCONDIDO, CA 92026-2725
Document Number	0000479102
Map Reference	MAP 2781
Instrument Date	Oct 29, 2018
Instrument	2018-0479102
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	Joint Tenants
Address	638 RAY ST, ESCONDIDO, CA 92026-2725

Mortgage

Document Number	0000479104
Date	Nov 16, 2018
Instrument	2018-0479104

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2018
Property Address	638 RAY ST, ESCONDIDO, CA 92026-2725
Document Number	0000195617
Map Reference	MAP 2781
Instrument Date	Apr 30, 2018
Instrument	2018-0195617
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	2531 WALINCA WAY, VISTA, CA 92084-5811

Mortgage

Document Number	0000195618
Date	May 15, 2018
Instrument	2018-0195618

Lender

Name	GERALD J RYAN IRA
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2017
Property Address	638 RAY ST, ESCONDIDO, CA 92026-2725
Document Number	0000577971
Instrument Date	Nov 29, 2017
Instrument	577971
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	70 S GRAYS LN NAMPA ID 836878750, NAMPA, ID 83687-8750

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$517,706 (+2%) Land $364,103 Building $153,603
2025	$5,743.00 (+4.51%) Homeowner's exemption	$507,556 (+4.04%) Land $356,964 Building $150,592
2023	$5,495.00 (+1.1%) Homeowner's exemption	$487,849 Land $343,103 Building $144,746
2022	$5,435.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 707 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Ray St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures