1060 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1060 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 Individual Names on Record
Last Sale	$289,500 (Jul 1999)
Tax Bill	$6,924 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`257-501-23-01`

Property Details

APN / Parcel Number

Primary APN	`257-501-23-01`

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
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1060 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 69PER 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 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	1060 COTTAGE WAY, ENCINITAS, CA 92024-5857
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
May 28, 2019	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 1999 · Amount on Record
Deed Sale	Jul 16, 1999 · Amount on Record
Deed Document Number	1999497199
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1060 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000435651
Date	Jun 14, 2021
Instrument	2021-0435651

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1060 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202162
Date	May 28, 2019
Instrument	2019-0202162

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$474,216 (+2%) Land $172,437 Building $301,779
2025	$6,924.00 (+4.2%) Homeowner's exemption	$464,918 (+4.04%) Land $169,056 Building $295,862
2023	$6,645.00 (+6.76%) Homeowner's exemption	$446,867 Land $162,493 Building $284,374
2022	$6,224.00

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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