645 Cathy Ct, Escondido, CA 92026 Property Records

San Diego County property record for 645 Cathy Ct, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,150 sqft · built 1969
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Nov 2020)
Tax Bill	$6,206 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Mar 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`229-091-04-00`

Property Details

APN / Parcel Number

Primary APN	`229-091-04-00`
Alternative APN	`2290906800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,150 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	7,100 sqft (0.163 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2290906800
Street Address	645 CATHY CT
City	ESCONDIDO
State	CA
Zip	92026-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	LOT 51 TR 005952
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	005952
Legal Block	4
Legal Lot Number	51
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4004
Census Tract	20108

Owner

645 Cathy Ct is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 CATHY CT, ESCONDIDO, CA 92026-3115
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Grant Deed, Transfer · FHA Mortgage FIRST NATIONS HOME FINANCE CORP
Mar 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 10, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2020 · Amount on File
Deed Sale	Nov 9, 2020 · Amount on File
Deed Document Number	2020700817
Prior Transfer Date	Mar 3, 2020
Prior Transfer Doc	0000124387
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2020
Property Address	645 CATHY CT, ESCONDIDO, CA 92026-3115
Document Number	0000700817
Map Reference	MAP 5952
Instrument Date	Oct 9, 2020
Instrument	2020-0700817
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Relationship	Joint Tenants
Address	645 CATHY CT, ESCONDIDO, CA 92026-3115

Mortgage

Document Number	0000700818
Date	Nov 9, 2020
Instrument	2020-0700818

Lender

Name	FIRST NATIONS HOME FINANCE CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2020
Property Address	645 CATHY CT, ESCONDIDO, CA 92026-3115
Document Number	0000124387
Instrument Date	Mar 3, 2020
Instrument	124387
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	645 CATHY CT ESCONDIDO CA 920263115, ESCONDIDO, CA 92026-3115

March 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2020
Property Address	645 CATHY CT, ESCONDIDO, CA 92026-3115
Document Number	0000124386
Instrument Date	Mar 3, 2020
Instrument	124386
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	645 CATHY CT ESCONDIDO CA 920263115, ESCONDIDO, CA 92026-3115

Tax Assessment & Valuation

The 2025 property tax bill for 645 Cathy Ct was $6,206.

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		$552,037 (+2%) Land $441,631 Building $110,406
2025	$6,206.00	$541,214 Land $432,972 Building $108,242
2023	$5,942.00 (+1.07%)	$520,200 Land $416,160 Building $104,040
2022	$5,879.00

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

Flood

FEMA maps place 645 Cathy Ct 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

Wildfire risk around 645 Cathy Ct 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 99.1% of the US · lower than 99.2% 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.

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 707 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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