1072 Normandy Hill Ln, #74, Encinitas, CA 92024 Property Records

San Diego County property record for 1072 Normandy Hill Ln, #74, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,252 sqft · built 1991
Lot Size	0.184 acres (8,018 sqft)
Owner	2 Individual Names on File
Last Sale	$1,277,500 (Jan 2020)
Tax Bill	$15,758 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`254-590-15-00`

Property Details

APN / Parcel Number

Primary APN	`254-590-15-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,252 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	8,018 sqft (0.184 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1072 NORMANDY HILL LN, 74
City	ENCINITAS
State	CA
Zip	92024-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 15 TR 012124
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012124
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2009
Census Tract	17601

Owner

1072 Normandy Hill Ln, #74 is owned and occupied by two individuals who bought it in January 2020.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU
Aug 10, 2022	Intrafamily Transfer, Transfer CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO
Dec 11, 2020	Intrafamily Transfer, Transfer · Line of Credit SAN DIEGO COUNTY CU
Mar 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 21, 2020	Grant Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
May 31, 2017	Deed of Trust, Mortgage · Line of Credit CALIFORNIA BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2020 · Amount on File
Deed Sale	Jan 21, 2020 · Amount on File
Prior Sale	Nov 8, 1990 · Amount on File
Deed Document Number	202031771
Prior Transfer Date	Jul 27, 1995
Prior Transfer Doc	0000346984
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1072 NORMANDY HILL LN # 74, 74, ENCINITAS, CA 92024-2238
Transaction Type	Mortgage
Record Updated	Sep 18, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1072-1074 NORMANDY HILL LN, ENCINITAS, CA 92024

Mortgage

Document Number	0000243998
Date	Sep 8, 2023
Instrument	2023-0243998

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 7, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2022
Property Address	1072 NORMANDY HILL LN # 74, 74, ENCINITAS, CA 92024-2238
Document Number	0000323721
Map Reference	MAP 12124
Instrument Date	Aug 9, 2022
Instrument	2022-0323721
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238

Mortgage

Document Number	0000323722
Date	Aug 10, 2022
Instrument	2022-0323722

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	8.87%
Index	1-Year CMT
Margin	2
Max Rate	8.87%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2022
Property Address	1072 NORMANDY HILL LN # 74, 74, ENCINITAS, CA 92024-2238
Document Number	0000323720
Map Reference	MAP 12124
Instrument Date	Jul 22, 2022
Instrument	2022-0323720
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18861 PONDEROSA ANNEX RD, SUTTER CREEK, CA 95685-9751

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2020
Property Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238
Document Number	0000797995
Map Reference	MAP 12124
Instrument Date	Dec 3, 2020
Instrument	2020-0797995
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238

Mortgage

Document Number	0000797996
Date	Dec 11, 2020
Instrument	2020-0797996

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 31, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2020
Property Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238
Document Number	0000109786
Instrument Date	Feb 21, 2020
Instrument	109786
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	ATTORNEY ONLY

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	1072 NORMANDY HILL LN ENCINITAS CA 920242238, ENCINITAS, CA 92024-2238

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 21, 2020
Property Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238
Document Number	0000031771
Map Reference	MAP 12124
Instrument Date	Dec 16, 2019
Instrument	2020-0031771
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238

Mortgage

Document Number	0000031772
Date	Jan 21, 2020
Instrument	2020-0031772

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1072 NORMANDY HILL LN, ENCINITAS, CA 92024-2238
Document Number	0000271023
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Jun 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1072 NORMANDY HILL LN ENCINITAS CA 920242238, ENCINITAS, CA 92024-2238

Mortgage

Document Number	0000271023
Date	Jun 16, 2017
Instrument	271023

Lender

Name	CALIFORNIA BK&TR
Type	Bank
Address	SAN DIEGO, CA 92130

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1072 Normandy Hill Ln, #74 was $15,758 with a homeowner's exemption, up 4.1% from the year before.

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		$1,425,070 (+2%) Land $1,003,965 Building $421,105
2025	$15,758.00 (+4.08%) Homeowner's exemption	$1,397,129 Land $984,280 Building $412,849
2024	$15,140.00 (+2.76%)
2023	$14,734.00 (+3.06%) Homeowner's exemption	$1,342,878 Land $946,060 Building $396,818
2022	$14,296.00

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

Flood

FEMA maps place 1072 Normandy Hill Ln, #74 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	2 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2023 · rainfall accumulation

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

Wildfire risk around 1072 Normandy Hill Ln, #74 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% 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 426 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 / 100
Verizon Fixed Wireless	300 / 20
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.

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