640 Ridgemont Cir, Escondido, CA 92027 Property Records

San Diego County property record for 640 Ridgemont Cir, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,020 sqft · built 2003
Lot Size	0.66 acres (28,750 sqft)
Owner	Company Name on File
Last Sale	$537,500 (Dec 2003)
Tax Bill	$7,821 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240-490-05-00`

Property Details

APN / Parcel Number

Primary APN	`240-490-05-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,020 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	28,750 sqft (0.66 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	640 RIDGEMONT CIR
City	ESCONDIDO
State	CA
Zip	92027-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-P
Legal Description	LOT 189 TR 013902
Legal Subdivision	SAN DIEGO 795 06
Legal Tract	013902
Legal Block	2
Legal Lot Number	189
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	20712

Owner

640 Ridgemont Cir is owned by a company that acquired it in February 2013 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	640 RIDGEMONT CIR, ESCONDIDO, CA 92027-5114
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2003 · Amount on File
Deed Sale	Dec 18, 2003 · Amount on File
Prior Sale	Dec 2, 2002
Deed Document Number	20031486503
Last Transfer Date	Feb 13, 2013
Transfer Doc	0000110765
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	640 RIDGEMONT CIR, ESCONDIDO, CA 92027-5114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 RIDGEMONT CIR, ESCONDIDO, CA 92027-5114

Mortgage

Document Number	0000023352
Date	Jan 12, 2021
Instrument	2021-0023352

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 640 Ridgemont Cir was $7,821 with a veteran's exemption.

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		$803,944 (+2%) Land $261,032 Building $542,912
2025	$7,821.00	$788,181 Land $255,914 Building $532,267
2023	$7,614.00 (-15.59%) Homeowner's exemption	$734,053 Land $245,981 Building $488,072
2022	$9,020.00

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

Flood

FEMA maps place 640 Ridgemont Cir 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
Nearby Flood Policies	2 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

Wildfire risk around 640 Ridgemont Cir is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 61% of California
Wildfire Likelihood	0.8% 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 174 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridgemont Cir

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