649 S Spruce St, Escondido, CA 92025 Property Records

San Diego County property record for 649 S Spruce St, Escondido, CA 92025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 988 sqft · built 2003
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$261,000 (Sep 2007)
Tax Bill	$3,863 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`232-320-12-00`

Property Details

APN / Parcel Number

Primary APN	`232-320-12-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	988 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	7,500 sqft (0.172 acres)

Location & Zoning

Street Address	649 S SPRUCE ST
City	ESCONDIDO
State	CA
Zip	92025-4031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	BLK 228 LOT 4 N 75 FT OF S 150 FT TR 000336
Legal Subdivision	ESCONDIDO
Legal Tract	000336
Legal Block	228
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2023
Census Tract	20500

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 S SPRUCE ST, ESCONDIDO, CA 92025-4031
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPTION FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2007 · Amount on Record
Deed Sale	Sep 18, 2007 · Amount on Record
Prior Sale	Mar 21, 2007 · Amount on Record
Deed Document Number	2007610812
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 S SPRUCE ST, ESCONDIDO, CA 92025-4031
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	FIDELITY NATIONAL TITLE COMPANY LONG B, FIDELITY NATL TTL CO LONG BE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 S SPRUCE ST, ESCONDIDO, CA 92025-4031

Mortgage

Document Number	0000135791
Date	Mar 28, 2022
Instrument	2022-0135791

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MEMPHIS, MI 48041

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 S SPRUCE ST, ESCONDIDO, CA 92025-4031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000375688
Date	Aug 17, 2017
Instrument	2017-0375688

Lender

Name	OPTION FUNDING INC
Type	Lending Institution
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2037

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		$349,530 (+2%) Land $308,138 Building $41,392
2025	$3,863.00 (+4.55%) Homeowner's exemption	$342,678 (+4.04%) Land $302,097 Building $40,581
2023	$3,695.00 (+1.12%) Homeowner's exemption	$329,373 Land $290,367 Building $39,006
2022	$3,654.00

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	Not rated no burnable land within 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 694 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks.

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