647 Inverlochy Dr, Fallbrook, CA 92028 Property Records

San Diego County property record for 647 Inverlochy Dr, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,761 sqft · built 2002
Lot Size	0.328 acres (14,292 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Feb 2024)
Tax Bill	$10,538 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106-551-01-00`

Property Details

APN / Parcel Number

Primary APN	`106-551-01-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,761 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	14,292 sqft (0.328 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	647 INVERLOCHY DR
City	FALLBROOK
State	CA
Zip	92028-5423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 108 TR 013854
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	013854
Legal Block	3
Legal Lot Number	108
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	3
Census Block	3004
Census Tract	18906

Owner

647 Inverlochy Dr is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	647 INVERLOCHY DR, FALLBROOK, CA 92028-5423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Feb 14, 2024	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage DATA MORTGAGE INC
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on File
Deed Sale	Feb 14, 2024 · Amount on File
Prior Sale	Feb 13, 2015 · Amount on File
Deed Document Number	202437971
Record Updated	Oct 29, 2026

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 14, 2024
Property Address	647 INVERLOCHY DR, FALLBROOK, CA 92028-5423
Document Number	0000037971
Map Reference	MAP 13854
Instrument Date	Jan 18, 2024
Instrument	2024-0037971
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Community Property with Right of Survivorship
Address	647 INVERLOCHY DR, FALLBROOK, CA 92028-5423

Mortgage

Document Number	0000037972
Date	Feb 14, 2024
Instrument	2024-0037972

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 INVERLOCHY DR, FALLBROOK, CA 92028-5423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218717
Date	Apr 29, 2020
Instrument	2020-0218717

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 INVERLOCHY DR, FALLBROOK, CA 92028-5423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 INVERLOCHY DR, FALLBROOK, CA 92028-5423

Mortgage

Document Number	0000484836
Date	Aug 26, 2020
Instrument	2020-0484836

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 647 Inverlochy Dr was $10,538.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Fallbrook Union Elementary School District (KG - 08)
Secondary School District	Fallbrook Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,018,784 (+4.04%) Land $551,412 Building $467,372
2025	$10,538.00	$979,200 Land $540,600 Building $438,600
2023	$5,760.00 (-0.02%) Homeowner's exemption	$548,699 Land $184,656 Building $364,043
2022	$5,761.00

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

Flood

FEMA maps place 647 Inverlochy Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Dec 1979 · tidal / storm surge

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 647 Inverlochy Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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	FALLBROOK PUD serves 35,237 people · EPA ID CA3710008
Water Source	Purchased surface water from several systems
Lead	1 ppb (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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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