686 Jacks Creek Rd, Escondido, CA 92027 Property Records

San Diego County property record for 686 Jacks Creek Rd, Escondido, CA 92027

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,420 sqft · built 2002
Lot Size	0.212 acres (9,244 sqft)
Owner	2 Individual Names on File
Last Sale	$577,500 (Jun 2017)
Tax Bill	$7,856 (2025)
Deeds & Mortgages	Jun 2022 Construction Loan Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`225-741-06-00`

Property Details

APN / Parcel Number

Primary APN	`225-741-06-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,420 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	9,244 sqft (0.212 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	686 JACKS CREEK RD
City	ESCONDIDO
State	CA
Zip	92027-5247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7
Legal Description	LOT 20 TR 013948
Legal Subdivision	ESCONDIDO BLKS RESUB
Legal Tract	013948
Legal Block	2
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	20110

Owner

686 Jacks Creek Rd is owned and occupied by two individuals who bought it in June 2017.

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 Record	2 Individual Names on File
Mailing Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 27, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 23, 2017	Grant Deed, Transfer · FHA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017 · Amount on File
Deed Sale	Jun 23, 2017 · Amount on File
Prior Sale	Oct 22, 2001 · Amount on File
Deed Document Number	2017285903
Prior Transfer Date	Oct 16, 2010
Prior Transfer Doc	0000596297
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

Mortgage

Document Number	0000255114
Date	Jun 21, 2022
Instrument	2022-0255114

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	LANDSAFE TITLE/FL, LANDSAFE TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

Mortgage

Document Number	0000821635
Date	Dec 2, 2021
Instrument	2021-0821635

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

Mortgage

Document Number	0000658198
Date	Oct 27, 2020
Instrument	2020-0658198

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Jul 1, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2017
Property Address	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247
Document Number	0000285903
Map Reference	MAP13948
Instrument Date	May 26, 2017
Instrument	2017-0285903
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	686 JACKS CREEK RD, ESCONDIDO, CA 92027-5247

Mortgage

Document Number	0000285904
Date	Jun 23, 2017
Instrument	2017-0285904

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 686 Jacks Creek Rd was $7,856.

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		$683,634 (+2%) Land $250,910 Building $432,724
2025	$7,856.00	$670,231 Land $245,991 Building $424,240
2023	$7,516.00 (+1.31%)	$644,207 Land $236,440 Building $407,767
2022	$7,419.00

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

Flood

FEMA maps place 686 Jacks Creek Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	8 in force

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 686 Jacks Creek Rd is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 60% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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 599 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, T-Mobile, Verizon.

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