1078 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1078 Cottage Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,386 sqft · built 2000
Lot Size	1 acres (43,579 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Apr 2019)
Tax Bill	$9,712 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage May 2022 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-21-04`

Property Details

APN / Parcel Number

Primary APN	`257-501-21-04`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,386 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	43,579 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1078 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 60PER DOC98-154630&98-416281&UND INT IN MODULE K 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	Individual Name on Record
Mailing Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU
May 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU
Nov 5, 2021	Deed of Trust, Mortgage · VA Mortgage CELEBRITY HOME LOANS LLC
Sep 28, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Dec 29, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Apr 11, 2019	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS
Apr 10, 2017	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Prior Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	2019129586
Prior Transfer Date	Oct 11, 2004
Prior Transfer Doc	0001032797
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Sep 19, 2023
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000245346
Date	Sep 11, 2023
Instrument	2023-0245346

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	May 17, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000200548
Date	May 10, 2022
Instrument	2022-0200548

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000771326
Date	Nov 5, 2021
Instrument	2021-0771326

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 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
Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000577156
Date	Sep 28, 2020
Instrument	2020-0577156

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000005043
Instrument Date	Dec 29, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000005043
Date	Jan 6, 2020
Instrument	5043

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 11, 2019
Property Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000129586
Instrument Date	Jan 16, 2019
Instrument	129586
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	129587
Date	Apr 11, 2019
Instrument	129587

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2017
Property Address	1078 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000159432
Instrument Date	Mar 16, 2017
Instrument	159432
Transaction Type	Transfer
Record Updated	Apr 17, 2017
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	159433
Date	Apr 10, 2017
Instrument	159433

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 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		$910,256 (+2%) Land $613,660 Building $296,596
2025	$9,712.00 (-11.53%) Homeowner's exemption	$892,409 (+4.04%) Land $601,628 Building $290,781
2023	$10,978.00 (+4.84%) Homeowner's exemption	$857,758 Land $578,267 Building $279,491
2022	$10,471.00

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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