1044 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1044 Cottage Way, Encinitas, CA 92024

Property Summary

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	$740,000 (Feb 2019)
Tax Bill	$10,898 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-24-02`

Property Details

APN / Parcel Number

Primary APN	`257-501-24-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,386 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	1044 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 75PER 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 21, 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	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · SBA Mortgage STEARNS BANK NA
Nov 16, 2021	Deed of Trust, Mortgage · SBA Mortgage STEARNS BANK NA
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEPLUS CORPORATION
Jan 15, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 28, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Sep 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2019 · Amount on Record
Deed Sale	Feb 28, 2019 · Amount on Record
Prior Sale	Aug 23, 2005 · Amount on Record
Deed Document Number	201973199
Prior Transfer Date	Jul 18, 2014
Prior Transfer Doc	0000315309
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 HEATHER CREEK RUN, YOUNGSTOWN, OH 44511-3634

Mortgage

Document Number	0000102566
Date	Mar 8, 2022
Instrument	2022-0102566

Lender

Name	STEARNS BANK NA
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	115 Months
Due	Oct 28, 2031

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 HEATHER CREEK RUN, YOUNGSTOWN, OH 44511-3634

Mortgage

Document Number	0000792245
Date	Nov 16, 2021
Instrument	2021-0792245

Lender

Name	STEARNS BANK NA
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 28, 2031

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000183964
Date	Mar 9, 2021
Instrument	2021-0183964

Lender

Name	HOMEPLUS CORPORATION
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000034296
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1044 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000034296
Date	Jan 22, 2020
Instrument	34296

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jan 21, 2040

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 28, 2019
Property Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000073199
Instrument Date	Feb 20, 2019
Instrument	73199
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1044 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	73200
Date	Feb 28, 2019
Instrument	73200

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1044 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000448032
Instrument Date	Sep 23, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6768 MALACHITE PL CARLSBAD CA 920091701, CARLSBAD, CA 92009-1701

Mortgage

Document Number	0000448032
Date	Sep 29, 2017
Instrument	448032

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2032

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$841,987 (+2%) Land $625,803 Building $216,184
2025	$10,898.00 (+4.85%)	$825,479 (+4.04%) Land $613,533 Building $211,946
2023	$10,394.00 (+4.98%)	$793,426 Land $589,709 Building $203,717
2022	$9,901.00

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

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.

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