San Diego County property record for 1040 Cottage Way, Encinitas, CA 92024
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,386 sqft · built 2000 |
| Lot Size | 1.41 acres (61,853 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $610,000 (Sep 2014) |
| Tax Bill | $9,809 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 257-501-24-04 |
| Primary APN | 257-501-24-04 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,386 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Condo/Apartment |
| Lot Area | 61,853 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1040 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 77PER DOC98-690725&UND INT IN MODULE Q IN TR 013541 |
| Legal Subdivision | ENCINITAS 96-007 |
| 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 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1040 COTTAGE WAY, ENCINITAS, CA 92024-5857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2014 · Amount on Record |
| Deed Sale | Sep 5, 2014 · Amount on Record |
| Prior Sale | Jul 14, 2006 |
| Deed Document Number | 2014383486 |
| Prior Transfer Date | Dec 14, 2012 |
| Prior Transfer Doc | 0000805137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1040 COTTAGE WAY, ENCINITAS, CA 92024-5857 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Title Company | CORINTHIAN TITLE-SD, CORINTHIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1040 COTTAGE WAY, ENCINITAS, CA 92024-5857 |
| Document Number | 0000781234 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 2021-0781234 |
| Name | MORGAN HOME LOAN FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $747,780 (+2%) Land $532,533 Building $215,247 | |
| 2025 | $9,809.00 (+4.76%) Homeowner's exemption | $733,119 (+4.04%) Land $522,092 Building $211,027 |
| 2023 | $9,363.00 (+5.33%) Homeowner's exemption | $704,653 Land $501,819 Building $202,834 |
| 2022 | $8,889.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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.
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