1054 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1054 Cottage Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,543 sqft · built 2000
Lot Size	1.46 acres (63,730 sqft)
Owner	2 Company Names on Record
Last Sale	$675,000 (Jun 2015)
Tax Bill	$10,711 (2025)
Deeds & Mortgages	Sep 2026 Transfer Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-23-04`

Property Details

APN / Parcel Number

Primary APN	`257-501-23-04`

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	63,730 sqft (1.46 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1054 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 72PER DOC98-416283&UND INT IN MODULE O 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 October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 15, 2022	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 10, 2020	Quit Claim Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2015 · Amount on Record
Deed Sale	Jun 19, 2015 · Amount on Record
Prior Sale	Apr 14, 2003 · Amount on Record
Deed Document Number	2015320117
Last Transfer Date	Sep 22, 2026
Transfer Doc	0000277128
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 23, 2026
Property Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000277128
Instrument Date	Sep 22, 2026
Instrument	2026277128
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Sep 26, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000366229
Date	Sep 15, 2022
Instrument	2022-0366229

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000125361
Date	Feb 18, 2021
Instrument	2021-0125361

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2020
Property Address	1054 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000182805
Instrument Date	Mar 16, 2020
Instrument	182805
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1054 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	182806
Date	Apr 10, 2020
Instrument	182806

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

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		$826,237 (+2%) Land $576,160 Building $250,077
2025	$10,711.00 (+4.84%)	$810,037 (+4.04%) Land $564,863 Building $245,174
2023	$10,217.00 (+5.04%)	$778,584 Land $542,930 Building $235,654
2022	$9,727.00

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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