643 McLain St, Escondido, CA 92027 Property Records

San Diego County property record for 643 McLain St, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1974
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Sep 2025)
Tax Bill	$7,080 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`230-580-09-00`

Property Details

APN / Parcel Number

Primary APN	`230-580-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	6,600 sqft (0.152 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	643 MCLAIN ST
City	ESCONDIDO
State	CA
Zip	92027-3959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	LOT 101 TR 007461
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	007461
Legal Block	2
Legal Lot Number	101
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	20705

Owner

Source: San Diego County assessment roll, 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	2 Individual Names on File
Mailing Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 8, 2019	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 5, 2019	Grant Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO
Apr 5, 2019	Quit Claim Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO
Apr 5, 2019	Quit Claim Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO
Apr 5, 2019	Grant Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Aug 8, 2019 · Amount on Record
Deed Document Number	2025265838
Prior Transfer Date	Mar 28, 2019
Prior Transfer Doc	0000123093
Record Updated	Sep 20, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 24, 2025
Property Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Document Number	0000265838
Map Reference	MAP 7461
Instrument Date	Sep 5, 2025
Instrument	2025-0265838
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959

Mortgage

Document Number	0000265839
Date	Sep 24, 2025
Instrument	2025-0265839

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Max Rate	10.7%

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 8, 2019
Property Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Document Number	0000333871
Map Reference	MAP 7461
Instrument Date	Jul 30, 2019
Instrument	2019-0333871
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959

Mortgage

Document Number	0000333872
Date	Aug 8, 2019
Instrument	2019-0333872

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2019
Property Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Document Number	0000123095
Instrument Date	Mar 28, 2019
Instrument	123095
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$473.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7620 CORTINA CT CARLSBAD CA 920098206, CARLSBAD, CA 92009-8206

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2019
Property Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Document Number	0000123094
Instrument Date	Mar 28, 2019
Instrument	123094
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

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	2703 LONE JACK RD ENCINITAS CA 920246643, ENCINITAS, CA 92024-6643

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2019
Property Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Document Number	0000123093
Instrument Date	Mar 28, 2019
Instrument	123093
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

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	7620 CORTINA CT CARLSBAD CA 920098206, CARLSBAD, CA 92009-8206

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2019
Property Address	643 MCLAIN ST, ESCONDIDO, CA 92027-3959
Document Number	0000123092
Instrument Date	Mar 23, 2019
Instrument	123092
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$462.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5030 CAMINO DE LA SIESTA #210 SAN DIEGO CA 921083118, 210, SAN DIEGO, CA 92108-3118

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		$825,000 (+33.52%) Land $311,319 Building $513,681
2025	$7,080.00 (+4.44%)	$617,903 (+4.04%) Land $233,170 Building $384,733
2023	$6,779.00 (+1.06%)	$593,912 Land $224,117 Building $369,795
2022	$6,708.00

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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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 USA, Verizon.

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