642 Jacks Creek Rd, Escondido, CA 92027 Property Records

San Diego County property record for 642 Jacks Creek Rd, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,420 sqft · built 2002
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$940,000 (Jun 2023)
Tax Bill	$11,285 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`225-740-13-00`

Property Details

APN / Parcel Number

Primary APN	`225-740-13-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,420 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	642 JACKS CREEK RD
City	ESCONDIDO
State	CA
Zip	92027-5247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	LOT 13 TR 013948
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	013948
Legal Block	2
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	20110

Owner

642 Jacks Creek Rd is owned and occupied by two individuals who bought it in June 2023.

Source: San Diego County records, as of August 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit HOMETOWN EQUITY MORTGAGE
Aug 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 2, 2023	Grant Deed, Subdivision Related Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Apr 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATHAN WOOD
Mar 21, 2023	Grant Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on File
Deed Sale	Jun 2, 2023 · Amount on File
Prior Sale	Mar 21, 2023 · Amount on File
Deed Document Number	2023144008
Prior Transfer Date	Sep 4, 2003
Prior Transfer Doc	0001080023
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 14, 2026
Property Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Document Number	0000238846
Instrument Date	Aug 10, 2026
Instrument	2026238846
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 171
Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

Mortgage

Document Number	0000238846,
Date	Aug 14, 2026
Instrument	2026238846

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

Mortgage

Document Number	0000210615
Date	Aug 3, 2023
Instrument	2023-0210615

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

June 2023: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 2, 2023
Property Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Document Number	0000144008
Map Reference	MAP 13948
Instrument Date	May 22, 2023
Instrument	2023-0144008
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 13, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount 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	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4241 JUTLAND DR 307, 307, SAN DIEGO, CA 92117-3654
Investor	Possibly a Property Investor

Mortgage

Document Number	0000086823
Date	Apr 4, 2023
Instrument	2023-0086823

Lender

Name	NATHAN WOOD
Type	Private Party
Address	4589 WARWICK CIR, OCEANSIDE, CA 92056

Agreement

Type	Stand-Alone Second Mortgage

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 21, 2023
Property Address	642 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Document Number	0000072386
Map Reference	MAP 13948
Instrument Date	Mar 8, 2023
Instrument	2023-0072386
Transaction Type	Transfer
Record Updated	Mar 29, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount 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	4241 JUTLAND DR STE 307, 307, SAN DIEGO, CA 92117-3654
Investor	Possibly a Property Investor

Mortgage

Document Number	0000072387
Date	Mar 21, 2023
Instrument	2023-0072387

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 642 Jacks Creek Rd was $11,285 with a homeowner'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		$997,535 (+2%) Land $530,604 Building $466,931
2025	$11,285.00 Homeowner's exemption	$977,976 Land $520,200 Building $457,776
2023	$4,847.00 (+1.44%)	$409,280 Land $144,823 Building $264,457
2022	$4,778.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 642 Jacks Creek Rd 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	8 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 642 Jacks Creek Rd is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 48% of California
Wildfire Likelihood	0.4% 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 599 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 500
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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