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1045 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1045 Cottage Way, Encinitas, CA 92024

Property Summary

Property TypeCondominium
Details3 bd · 2.5 ba · 1,233 sqft · built 2000
Lot Size1.41 acres (61,853 sqft)
OwnerCompany Name on Record
Last Sale$610,000 (Jun 2005)
Tax Bill$11,126 (2025)
Deeds & MortgagesAug 2021 Mortgage
Mar 2021 Transfer
Flood ZoneZone X (minimal risk)
APN257-501-24-08

Property Details

APN / Parcel Number

Primary APN257-501-24-08

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,233 sqft Living Area

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleCondo/Apartment
Lot Area61,853 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address1045 COTTAGE WAY
CityENCINITAS
StateCA
Zip92024-5857
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeER-MU1
Legal DescriptionLOT 1 US113PER DOC98-690725&UND INT IN MODULE Q IN TR 013541
Legal SubdivisionENCINITAS ESTATES
Legal Tract013541
Legal Block1
Legal Lot Number1
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group1
Census Block1001
Census Tract17606

Owner

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 RecordCompany Name on Record
Mailing Address1045 COTTAGE WAY, ENCINITAS, CA 92024-5857
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Mar 17, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 15, 2005 · Amount on Record
Deed SaleJun 15, 2005 · Amount on Record
Prior SaleNov 4, 1999 · Amount on Record
Deed Document Number2005499632
Last Transfer DateMar 15, 2021
Transfer Doc0000206178
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address1045 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction TypeMortgage
Record UpdatedJul 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1045 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number0000587704
DateAug 18, 2021
Instrument2021-0587704
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term173 Months
DueJan 1, 2036

March 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateMar 17, 2021
Property Address1045 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number0000206178
Map ReferenceMAP 13541
Instrument DateMar 15, 2021
Instrument2021-0206178
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address1045 COTTAGE WAY, ENCINITAS, CA 92024-5857

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEncinitas City
Elementary School DistrictEncinitas Union Elementary School District (KG - 06)
Secondary School DistrictSan Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$878,428 (+2%) Land $654,013 Building $224,415
2025$11,126.00 (+5.03%) Homeowner's exemption$861,205 (+4.04%) Land $641,190 Building $220,015
2023$10,593.00 (+4.78%) Homeowner's exemption$827,765 Land $616,293 Building $211,472
2022$10,110.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSAN DIEGUITO WD
serves 40,405 people · EPA ID CA3710021
Water SourcePurchased surface water from several systems
Last State InspectionJun 2022
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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