695 Via Cumbres Ln, Fallbrook, CA 92028 Property Records

San Diego County property record for 695 Via Cumbres Ln, Fallbrook, CA 92028

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,493 sqft · built 1994
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$845,000 (Nov 2016)
Tax Bill	$1,938 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-301-28-00`

Property Details

APN / Parcel Number

Primary APN	`105-301-28-00`
Alternative APN	`1053009500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,493 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	130,680 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1053009500
Street Address	695 VIA CUMBRES LN
City	FALLBROOK
State	CA
Zip	92028-2681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM17118
Legal Subdivision	P17118
Legal Tract	1017118
Legal Block	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	FALLBROOK
Census Block Group	4
Census Block	4003
Census Tract	19001

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 Record	2 Individual Names on File
Mailing Address	695 VIA CUMBRES LN, FALLBROOK, CA 92028-2681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK OF LONG BEACH
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MERCHANTS BANK OF LONG BEACH
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage RWA TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2016 · Amount on File
Deed Sale	Nov 23, 2016 · Amount on File
Prior Sale	Jul 20, 2001 · Amount on File
Deed Document Number	2016644740
Prior Transfer Date	Jan 18, 2005
Prior Transfer Doc	0000070708
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	695 VIA CUMBRES LN, FALLBROOK, CA 92028-2681
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 VIA CUMBRES LN, FALLBROOK, CA 92028-2681

Mortgage

Document Number	0000346124
Date	Aug 30, 2022
Instrument	2022-0346124

Lender

Name	FARMERS & MERCHANTS BANK OF LONG BEACH
Type	Bank
Address	SEAL BEACH, CA 90740

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	695 VIA CUMBRES LN, FALLBROOK, CA 92028-2681
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 VIA CUMBRES LN, FALLBROOK, CA 92028-2681

Mortgage

Document Number	0000019318
Date	Jan 13, 2022
Instrument	2022-0019318

Lender

Name	FARMERS & MERCHANTS BANK OF LONG BEACH
Type	Bank
Address	SEAL BEACH, CA 90740

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	695 VIA CUMBRES LN, FALLBROOK, CA 92028-2681
Document Number	0000071144
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	695 VIA CUMBRES LN FALLBROOK CA 920282681, FALLBROOK, CA 92028-2681

Mortgage

Document Number	0000071144
Date	Feb 12, 2020
Instrument	71144

Lender

Name	RWA TRUST (PT)
Address	PO BOX 36069, LAS VEGAS, NV 89133-6069

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 11, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Fallbrook Union Elementary School District (KG - 08)
Secondary School District	Fallbrook Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$184,318 (+2%) Land $43,791 Building $140,527
2025	$1,938.00 (+3.69%) Homeowner's exemption	$180,705 (+4.04%) Land $42,933 Building $137,772
2023	$1,869.00 (+0.05%) Homeowner's exemption	$173,690 Land $41,267 Building $132,423
2022	$1,868.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.3% 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	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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, T-Mobile, Verizon.

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