643 Stirrup Way, Escondido, CA 92026 Property Records

San Diego County property record for 643 Stirrup Way, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,192 sqft · built 2018
Lot Size	0.268 acres (11,712 sqft)
Owner	Individual Name on Record
Last Sale	$758,000 (Jun 2020)
Tax Bill	$9,479 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`224-132-10-00`

Property Details

APN / Parcel Number

Primary APN	`224-132-10-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,192 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	11,712 sqft (0.268 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	643 STIRRUP WAY
City	ESCONDIDO
State	CA
Zip	92026-5052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	LOT 10 TR 016153
Legal Subdivision	CITY/ESCONDIDO
Legal Tract	016153
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1006
Census Tract	20106

Owner

Source: San Diego County records, 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	Individual Name on Record
Mailing Address	643 STIRRUP WAY, ESCONDIDO, CA 92026-5052
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 10, 2020	Quit Claim Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Jun 10, 2020	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT
Apr 5, 2018	Grant Deed, Transfer · VA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2020 · Amount on Record
Deed Sale	Jun 10, 2020 · Amount on Record
Prior Sale	Apr 5, 2018 · Amount on Record
Deed Document Number	2020298103
Prior Transfer Date	Jun 5, 2020
Prior Transfer Doc	0000298102
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 STIRRUP WAY, ESCONDIDO, CA 92026-5052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000337275
Date	Aug 12, 2019
Instrument	2019-0337275

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 10, 2020
Property Address	643 STIRRUP WAY, ESCONDIDO, CA 92026-5052
Document Number	0000298102
Instrument Date	Jun 5, 2020
Instrument	298102
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

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	643 STIRRUP WAY ESCONDIDO CA 920265052, ESCONDIDO, CA 92026-5052

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 10, 2020
Property Address	643 STIRRUP WAY, ESCONDIDO, CA 92026-5052
Document Number	0000298103
Instrument Date	May 28, 2020
Instrument	298103
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	INNOVATION TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	643 STIRRUP WAY ESCONDIDO CA 920265052, ESCONDIDO, CA 92026-5052

Mortgage

Document Number	298104
Date	Jun 10, 2020
Instrument	298104

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2018
Property Address	643 STIRRUP WAY, ESCONDIDO, CA 92026-5052
Document Number	0000134575
Instrument Date	Mar 12, 2018
Instrument	134575
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 STIRRUP WAY ESCONDIDO CA 920265052, ESCONDIDO, CA 92026-5052

Mortgage

Document Number	134576
Date	Apr 5, 2018
Instrument	134576

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

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		$845,558 (+2%) Land $202,224 Building $643,334
2025	$9,479.00 (+4.43%) Homeowner's exemption	$828,979 (+4.04%) Land $198,259 Building $630,720
2023	$9,077.00 (+1.08%) Homeowner's exemption	$796,790 Land $190,561 Building $606,229
2022	$8,980.00

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 · 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	3 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond 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 311 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

May also be available: AT&T, Verizon.

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