649 Nancy St, Escondido, CA 92027 Property Records

San Diego County property record for 649 Nancy St, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1968
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,000 (Oct 2017)
Tax Bill	$5,638 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`231-440-23-00`

Property Details

APN / Parcel Number

Primary APN	`231-440-23-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,360 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	8,800 sqft (0.202 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	649 NANCY ST
City	ESCONDIDO
State	CA
Zip	92027-4049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	LOT 23 TR 005851
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	005851
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1006
Census Tract	20705

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	2 Individual Names on Record
Mailing Address	649 NANCY ST, ESCONDIDO, CA 92027-4049
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JWH FINANCIAL INC
Oct 16, 2017	Grant Deed, Transfer · FHA Mortgage CAPWEST HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2017 · Amount on Record
Deed Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	2017478485
Prior Transfer Date	Dec 16, 2012
Prior Transfer Doc	0000119514
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 NANCY ST, ESCONDIDO, CA 92027-4049
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000372813
Date	Jul 13, 2020
Instrument	2020-0372813

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2017
Property Address	649 NANCY ST, ESCONDIDO, CA 92027-4049
Document Number	0000478485
Instrument Date	Sep 27, 2017
Instrument	478485
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	649 NANCY ST ESCONDIDO CA 920274049, ESCONDIDO, CA 92027-4049

Mortgage

Document Number	478486
Date	Oct 16, 2017
Instrument	478486

Lender

Name	CAPWEST HM LNS
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

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		$508,329 (+2%) Land $206,256 Building $302,073
2025	$5,638.00 (+4.5%) Homeowner's exemption	$498,362 (+4.04%) Land $202,212 Building $296,150
2023	$5,395.00 (+1.11%) Homeowner's exemption	$479,012 Land $194,361 Building $284,651
2022	$5,336.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	10 (1992–2023)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Mar 2023 · 2 claims

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 601 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, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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