1079 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1079 Cottage Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,543 sqft · built 2000
Lot Size	1 acres (43,579 sqft)
Owner	Company Name on Record
Last Sale	$540,000 (Jan 2008)
Tax Bill	$9,573 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-21-10`

Property Details

APN / Parcel Number

Primary APN	`257-501-21-10`

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	43,579 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1079 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 US103PER 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	Company Name on Record
Mailing Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2008 · Amount on Record
Deed Sale	Jan 9, 2008 · Amount on Record
Prior Sale	Nov 14, 2007 · Amount on Record
Deed Document Number	200810459
Last Transfer Date	Nov 3, 2017
Transfer Doc	0000522859
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2026
Property Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000127124
Instrument Date	Apr 30, 2026
Instrument	2026127124
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857
Investor	Possibly a Property Investor

Mortgage

Document Number	0000127124,
Date	May 5, 2026
Instrument	2026127124

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000036119
Date	Jan 19, 2021
Instrument	2021-0036119

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127322
Date	Apr 2, 2018
Instrument	2018-0127322

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2017
Property Address	1079 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000522859
Instrument Date	Nov 3, 2017
Instrument	522859
Transaction Type	Transfer
Record Updated	Nov 14, 2017
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	Personal Trust
Address	1079 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857
Investor	Possibly a Property Investor

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		$723,467 (+2%) Land $428,722 Building $294,745
2025	$9,573.00 (+2.51%) Homeowner's exemption	$709,282 (+4.04%) Land $420,316 Building $288,966
2024	$9,339.00 (+2.14%)
2023	$9,143.00 (+5.42%) Homeowner's exemption	$681,742 Land $403,996 Building $277,746
2022	$8,673.00

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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