San Diego County property record for 640 McLain St, Escondido, CA 92027
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,564 sqft · built 1973 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $860,000 (Jul 2025) |
| Tax Bill | $7,516 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 230-570-21-00 |
| Primary APN | 230-570-21-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,564 sqft Living Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 6,500 sqft (0.149 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 640 MCLAIN ST |
|---|---|
| City | ESCONDIDO |
| State | CA |
| Zip | 92027-3960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Description | LOT 76 TR 007182 |
| Legal Subdivision | ESCONDIDO BLKS RESUB |
| Legal Tract | 007182 |
| Legal Block | 2 |
| Legal Lot Number | 76 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20705 |
640 McLain St is owned and occupied by two individuals who bought it in July 2025.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 MCLAIN ST, ESCONDIDO, CA 92027-3960 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2025 · Amount on File |
| Deed Sale | Jul 9, 2025 · Amount on File |
| Prior Sale | Sep 6, 2024 |
| Deed Document Number | 2025182188 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 21, 2023 |
| Property Address | 640 MCLAIN ST, ESCONDIDO, CA 92027-3960 |
| Document Number | 0000324174 |
| Map Reference | MAP 7182 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2023-0324174 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2023 |
| Title Company | WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 MCLAIN ST, ESCONDIDO, CA 92027-3960 |
| Document Number | 0000324175 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 2023-0324175 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
The 2025 property tax bill for 640 McLain St was $7,516, up 2.1% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $860,000 (+29.68%) Land $555,961 Building $304,039 | |
| 2025 | $7,516.00 (+2.09%) | $663,147 Land $428,702 Building $234,445 |
| 2024 | $7,362.00 (+2.34%) | |
| 2023 | $7,194.00 (+1.1%) Homeowner's exemption | $637,399 Land $412,056 Building $225,343 |
| 2022 | $7,116.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 640 McLain St in Zone X, an area of minimal flood risk.
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 risk around 640 McLain St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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 652 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Verizon.
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