109 Peppertree Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 109 Peppertree Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,532 sqft · built 1978
Lot Size	0.71 acres (30,928 sqft)
Owner	Company Name on Record
Last Sale	$1,500,000 (Feb 2021)
Tax Bill	$4,838 (2025)
Deeds & Mortgages	Feb 2021 Sale Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`259-221-67-00`

Property Details

APN / Parcel Number

Primary APN	`259-221-67-00`
Alternative APN	`2592216000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,532 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	5 Parking Spaces

Location & Zoning

Old Parcel Number	2592216000
Street Address	109 PEPPERTREE LN
City	ENCINITAS
State	CA
Zip	92024-6400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 21 N H DOC79-17803 IN ST CLSD ADJ&IN TR 000326
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000326
Legal Block	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2018
Census Tract	17111

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	109 PEPPERTREE LN, ENCINITAS, CA 92024-6400
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 28, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on Record
Deed Sale	Feb 12, 2021 · Amount on Record
Prior Sale	Sep 14, 1983 · Amount on Record
Deed Document Number	2021113476
Record Updated	Oct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 12, 2021
Property Address	109 PEPPERTREE LN, ENCINITAS, CA 92024-6400
Document Number	0000113476
Map Reference	MAP 326
Instrument Date	Feb 12, 2021
Instrument	2021-0113476
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PEPPERTREE LN, ENCINITAS, CA 92024-6400

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	109 PEPPERTREE LN, ENCINITAS, CA 92024-6400
Document Number	0000045521
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 15, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PEPPERTREE LN ENCINITAS CA 920246400, ENCINITAS, CA 92024-6400

Mortgage

Document Number	0000045521
Date	Feb 8, 2019
Instrument	45521

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$447,884 (+2%) Land $175,924 Building $271,960
2025	$4,838.00 (+6.07%)	$439,103 (+4.04%) Land $172,475 Building $266,628
2023	$4,561.00 (+2.04%)	$422,054 Land $165,779 Building $256,275
2022	$4,470.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 137 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
Spectrum Cable	1,000 / 50
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Race Communications.

Nearby Properties on Peppertree Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures