1084 Cottage Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1084 Cottage Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,233 sqft · built 2000
Lot Size	1 acres (43,579 sqft)
Owner	Company Name on Record
Last Sale	$709,000 (Apr 2016)
Tax Bill	$10,986 (2025)
Deeds & Mortgages	Nov 2022 Transfer Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`257-501-21-01`

Property Details

APN / Parcel Number

Primary APN	`257-501-21-01`

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	43,579 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1084 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 57PER DOC98-154630&98-416281&UND INT IN MODULE K IN TR 013541
Legal Subdivision	ENCINITAS 96-007
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	1084 COTTAGE WAY, ENCINITAS, CA 92024-5857
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Intrafamily Transfer, Transfer
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CALIFORNIA FUNDING
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MCJAB INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2016 · Amount on Record
Deed Sale	Apr 28, 2016 · Amount on Record
Prior Sale	Aug 11, 2009 · Amount on Record
Deed Document Number	2016200276
Last Transfer Date	Jun 6, 2022
Transfer Doc	0000430752
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2022
Property Address	1084 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000430752
Instrument Date	Jun 6, 2022
Instrument	2022-0430752
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	1084 COTTAGE WAY, ENCINITAS, CA 92024-5857

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1084 COTTAGE WAY, ENCINITAS, CA 92024-5857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000161974
Date	Apr 11, 2017
Instrument	2017-0161974

Lender

Name	FIRST CALIFORNIA FUNDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92123

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1084 COTTAGE WAY, ENCINITAS, CA 92024-5857
Document Number	0000469365
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1084 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	0000469365
Date	Aug 20, 2020
Instrument	469365

Lender

Name	MCJAB INC
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

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		$856,088 (+2%) Land $558,320 Building $297,768
2025	$10,986.00 (+4.97%)	$839,303 (+4.04%) Land $547,373 Building $291,930
2023	$10,466.00 (+4.8%)	$806,714 Land $526,119 Building $280,595
2022	$9,987.00

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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