1087 Neptune Ave, #89, Encinitas, CA 92024 Property Records

San Diego County property record for 1087 Neptune Ave, #89, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	5 bd · 5 ba · 2,508 sqft · built 1971
Lot Size	0.19 acres (8,278 sqft)
Owner	Company Name on File
Last Sale	$225,000 (Dec 1986)
Tax Bill	$7,709 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`254-292-02-00`

Property Details

APN / Parcel Number

Primary APN	`254-292-02-00`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Units	2 Units
Building Area	2,508 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Duplex Single
Lot Area	8,278 sqft (0.19 acres)

Location & Zoning

Street Address	1087 NEPTUNE AVE, 89
City	ENCINITAS
State	CA
Zip	92024-1426
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R11
Legal Description	BLK 6 LOT 20 TR 001859
Legal Subdivision	SOUTH COAST PARK
Legal Tract	001859
Legal Block	6
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	5
Census Block	5005
Census Tract	17701

Owner

Source: San Diego County records · APN 254-292-02-00

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	124 5TH ST, ENCINITAS, CA 92024-3269
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 05, 1986 · Amount on Record
Deed Sale	Dec 05, 1986 · Amount on Record
Deed Document Number	1986566913
Last Transfer Date	Nov 07, 2013
Transfer Doc	0000687414
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1087 NEPTUNE AVE # 89, 89, ENCINITAS, CA 92024-1426
Document Number	0000540273
Instrument Date	Sep 03, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	124 5TH ST ENCINITAS CA 920243269, ENCINITAS, CA 92024-3269

Mortgage

Document Number	0000540273
Date	Sep 15, 2020
Instrument	540273

Lender

Name	C3BANK NA
Address	3727 ARLINGTON AVE, RIVERSIDE, CA 92506-2608

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$607,792 (+2%) Land $268,827 Building $338,965
2025	$7,709.00 (+3%)	$595,875 (+28.65%) Land $263,556 Building $332,319
2023	$5,930.00 (+3.2%)	$463,166 Land $253,323 Building $209,843
2022	$5,746.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · Severe Storm And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Ting Fiber Fiber	2,000 / 2,000
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 182 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SAN DIEGUITO WD serves 40,405 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.