1055 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1055 Cottage Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,233 sqft · built 2000
Lot Size	1.46 acres (63,730 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,235,000 (Sep 2026)
Tax Bill	$10,084 (2025)
Deeds & Mortgages	Sep 2026 Sale Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-23-06`

Property Details

APN / Parcel Number

Primary APN	`257-501-23-06`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,233 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	1055 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 US108PER 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 Individual Names on Record
Mailing Address	11119 ALTERRA PKWY, 2392, AUSTIN, TX 78758-0026
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Grant Deed, Transfer LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Sep 17, 2019	Quit Claim Deed, Transfer TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA
Feb 16, 2017	Quit Claim Deed, Transfer EQUITY TITLE COMPANY, EQUITY TITLE
Feb 16, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Jun 4, 2013 · Amount on Record
Deed Document Number	2026283481
Prior Transfer Date	Sep 13, 2019
Prior Transfer Doc	0000404692
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 30, 2026
Property Address	1055 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000283481
Instrument Date	Sep 17, 2026
Instrument	2026283481
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$137,208.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1055 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000192617
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1055 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000192617
Date	Apr 16, 2020
Instrument	192617

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 17, 2019
Property Address	1055 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000404692
Instrument Date	Sep 13, 2019
Instrument	404692
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1055 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2017
Property Address	1055 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000078814
Instrument Date	Jan 11, 2017
Instrument	78814
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1055 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2017
Property Address	1055 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000078815
Map Reference	MAP13541
Instrument Date	Jan 1, 2017
Instrument	2017-0078815
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE ORANGE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1055 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000078816
Date	Feb 16, 2017
Instrument	2017-0078816

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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		$772,462 (+2%) Land $565,220 Building $207,242
2025	$10,084.00 (+4.89%)	$757,317 (+4.04%) Land $554,138 Building $203,179
2023	$9,614.00 (+5.06%)	$727,912 Land $532,621 Building $195,291
2022	$9,151.00

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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