1038 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1038 Cottage Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,543 sqft · built 2000
Lot Size	1.41 acres (61,853 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,430,000 (Mar 2025)
Tax Bill	$9,056 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jan 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-24-05`

Property Details

APN / Parcel Number

Primary APN	`257-501-24-05`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,543 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	61,853 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1038 COTTAGE WAY
City	ENCINITAS
State	CA
Zip	92024-5857
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	ER-MU1
Legal Description	LOT 1 US 78PER DOC98-690725&UND INT IN MODULE Q IN TR 013541
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	013541
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	17606

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 Record
Mailing Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Apr 2, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Jan 14, 2019	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Aug 3, 2020	Deed of Trust, Mortgage · Conventional with PMI LADERA LNDG
Sep 21, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRSTBANK
Sep 6, 2018	Deed of Trust, Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on Record
Deed Sale	Mar 6, 2025 · Amount on Record
Prior Sale	May 26, 2009 · Amount on Record
Deed Document Number	202557631
Last Transfer Date	Mar 27, 2026
Transfer Doc	0000091149
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000034739
Date	Jan 24, 2022
Instrument	2022-0034739

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2052

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	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000034738
Date	Jan 24, 2022
Instrument	2022-0034738

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2051

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 2, 2026
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000091149
Instrument Date	Mar 27, 2026
Instrument	202691149
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Investor	Possibly a Property Investor

Mortgage

Document Number	0000091150,
Date	Apr 2, 2026
Instrument	202691150

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024789
Date	Jan 17, 2017
Instrument	2017-0024789

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 31, 2032

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000012914
Date	Jan 14, 2019
Instrument	2019-0012914

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 31, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000466302
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1038 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000466302
Date	Aug 19, 2020
Instrument	466302

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000435309
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1038 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000435309
Date	Oct 1, 2019
Instrument	435309

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1038 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000384453
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1038 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000384453
Date	Sep 17, 2018
Instrument	384453

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Encinitas City
Elementary School District	Encinitas Union Elementary School District (KG - 06)
Secondary School District	San Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,458,599 (+119.94%) Land $920,481 Building $538,118
2025	$9,056.00 (+2.44%)	$663,181 (+4.04%) Land $418,515 Building $244,666
2024	$8,840.00 (+2.15%)
2023	$8,654.00 (+5.61%) Homeowner's exemption	$637,430 Land $402,264 Building $235,166
2022	$8,194.00

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
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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	SAN DIEGUITO WD serves 40,405 people · EPA ID CA3710021
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2022
Lead	1 ppb (2025) 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Ting, Verizon.

Nearby Properties on Cottage Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures