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655 Terrace Ave, Escondido, CA 92026 Property Records

San Diego County property record for 655 Terrace Ave, Escondido, CA 92026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,364 sqft · built 1970
Lot Size0.223 acres (9,700 sqft)
Owner2 Individual Names on Record
Last Sale$430,000 (Oct 2016)
Tax Bill$5,645 (2025)
Deeds & MortgagesAug 2020 Mortgage
Oct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN227-440-24-00

Property Details

APN / Parcel Number

Primary APN227-440-24-00
Alternative APN
  • 2274401500

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,364 sqft Living Area

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Lot Area9,700 sqft (0.223 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number2274401500
Street Address655 TERRACE AVE
CityESCONDIDO
StateCA
Zip92026-2727
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-8
Legal DescriptionLOT 15 (EX ST WID) TR 006249
Legal SubdivisionESCONDIDO BLKS RESUB
Legal Tract006249
Legal Block2
Legal Lot Number15
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2003
Census Tract20106

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address655 TERRACE AVE, ESCONDIDO, CA 92026-2727
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2020Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
Oct 8, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 26, 2016 · Amount on Record
Deed SaleOct 26, 2016 · Amount on Record
Prior SaleMay 19, 2010 · Amount on Record
Deed Document Number2016578589
Prior Transfer DateDec 9, 2005
Prior Transfer Doc0001073281
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address655 TERRACE AVE, ESCONDIDO, CA 92026-2727
Transaction TypeMortgage
Record UpdatedAug 23, 2022
Title CompanyTITLE CONNECT INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 TERRACE AVE, ESCONDIDO, CA 92026-2727

Mortgage

Document Number0000497786
DateAug 31, 2020
Instrument2020-0497786
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term316 Months
DueDec 1, 2046

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address655 TERRACE AVE, ESCONDIDO, CA 92026-2727
Transaction TypeMortgage
Record UpdatedAug 23, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 TERRACE AVE, ESCONDIDO, CA 92026-2727

Mortgage

Document Number0000704974
DateOct 8, 2021
Instrument2021-0704974
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEscondido City
Elementary School DistrictEscondido Union Elementary School District (KG - 08)
Secondary School DistrictEscondido Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$509,023 (+2%) Land $234,311 Building $274,712
2025$5,645.00 (+4.5%) Homeowner's exemption$499,043 (+4.04%) Land $229,717 Building $269,326
2023$5,402.00 (+1.1%) Homeowner's exemption$479,667 Land $220,798 Building $258,869
2022$5,343.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemCITY OF ESCONDIDO
serves 137,044 people · EPA ID CA3710006
Water SourceSurface water
Last State InspectionSep 2021
Lead1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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