9860 Covey Ln, Escondido, CA 92026 Property Records

San Diego County property record for 9860 Covey Ln, Escondido, CA 92026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,124 sqft · built 1976
Lot Size	2.63 acres (114,563 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (May 2016)
Tax Bill	$8,023 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`128-231-12-00`

Property Details

APN / Parcel Number

Primary APN	`128-231-12-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,124 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	114,563 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	9860 COVEY LN
City	ESCONDIDO
State	CA
Zip	92026-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 3 (EX ST) TR PM07440
Legal Subdivision	PARCEL MAP NO 7440
Legal Tract	7440
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	PAUMA VALLEY
Census Block Group	3
Census Block	3044
Census Tract	19109

Owner

9860 Covey Ln is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Mailing Address	9860 COVEY LN, ESCONDIDO, CA 92026-4807
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2016 · Amount on File
Deed Sale	May 16, 2016 · Amount on File
Prior Sale	Aug 4, 2015 · Amount on File
Deed Document Number	2016234069
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9860 COVEY LN, ESCONDIDO, CA 92026-4807
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9860 COVEY LN, ESCONDIDO, CA 92026-4807

Mortgage

Document Number	0000852477
Date	Dec 17, 2021
Instrument	2021-0852477

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9860 COVEY LN, ESCONDIDO, CA 92026-4807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074456
Date	Feb 26, 2018
Instrument	2018-0074456

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9860 COVEY LN, ESCONDIDO, CA 92026-4807
Document Number	0000329256
Instrument Date	Jul 14, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	UTOPIAN GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9860 COVEY LN ESCONDIDO CA 920264807, ESCONDIDO, CA 92026-4807

Mortgage

Document Number	0000329256
Date	Aug 10, 2018
Instrument	329256

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	RIVERSIDE, CA 92517

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 9860 Covey Ln was $8,023 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	Valley Center-Pauma Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$682,210 (+2%) Land $247,300 Building $434,910
2025	$8,023.00 Homeowner's exemption	$668,834 Land $242,451 Building $426,383
2023	$7,659.00 (+1.74%) Homeowner's exemption	$642,865 Land $233,038 Building $409,827
2022	$7,528.00

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

Flood

FEMA maps place 9860 Covey Ln 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 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 9860 Covey Ln is moderate, ranking above 67% 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	Moderate above 67% of the US · above 42% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	VALLEY CENTER MWD serves 30,166 people · EPA ID CA3710026
Water Source	Purchased surface water from SAN DIEGO COUNTY WATER AUTHORITY
Last State Inspection	Apr 2021
Lead	4 ppb (2020–2022) 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 54 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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