6878 Virgin Islands Rd, Bonsall, CA 92003 Property Records

San Diego County property record for 6878 Virgin Islands Rd, Bonsall, CA 92003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,681 sqft · built 2003
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 2000)
Tax Bill	$12,571 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`127-500-21-00`

Property Details

APN / Parcel Number

Primary APN	`127-500-21-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,681 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	217,800 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	6878 VIRGIN ISLANDS RD
City	BONSALL
State	CA
Zip	92003-4615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM07475
Legal Tract	7475
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	2
Census Block	2005
Census Tract	18803

Owner

6878 Virgin Islands Rd is owned and occupied by two individuals who bought it in September 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1267, BONSALL, CA 92003-1267
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 30, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 12, 2020	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2000 · Amount on File
Deed Sale	Sep 19, 2000 · Amount on File
Deed Document Number	2000501033
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	6878 VIRGIN ISLANDS RD, BONSALL, CA 92003-4615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1267, BONSALL, CA 92003-1267

Mortgage

Document Number	0000454116
Date	Oct 30, 2018
Instrument	2018-0454116

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	6878 VIRGIN ISLANDS RD, BONSALL, CA 92003-4615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129536
Date	Mar 12, 2020
Instrument	2020-0129536

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 6878 Virgin Islands Rd was $12,571 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,222,577 (+2%) Land $391,323 Building $831,254
2025	$12,571.00 Homeowner's exemption	$1,198,605 Land $383,650 Building $814,955
2023	$12,106.00 (+1.73%) Homeowner's exemption	$1,152,063 Land $368,753 Building $783,310
2022	$11,900.00

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

Flood

FEMA maps place 6878 Virgin Islands Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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	2 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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 6878 Virgin Islands Rd is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 44% of California
Wildfire Likelihood	0.3% 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	RAINBOW MUNICIPAL WD serves 23,536 people · EPA ID CA3710016
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	3 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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