San Diego County property record for 1115 Rancho Encinitas Dr, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 5,441 sqft · built 1992 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,900,000 (Aug 2005) |
| Tax Bill | $29,035 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 264-162-02-00 |
| Primary APN | 264-162-02-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 5,441 sqft Living Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 44,867 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 1115 RANCHO ENCINITAS DR |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-7024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 30 TR 009051 |
| Legal Subdivision | ENCINITAS 3494-1 |
| Legal Tract | 009051 |
| Legal Block | 2 |
| Legal Lot Number | 30 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 17111 |
Source: San Diego County records, as of August 20, 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 | 1115 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7024 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2005 · Amount on Record |
| Deed Sale | Aug 29, 2005 · Amount on Record |
| Prior Sale | Jun 17, 2002 · Amount on Record |
| Deed Document Number | 2005744707 |
| Last Transfer Date | Oct 24, 2012 |
| Transfer Doc | 0000653296 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 12, 2026 |
| Property Address | 1115 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7024 |
| Document Number | 0000235059 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 2026235059 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 1115 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7024 |
| Document Number | 0000235059, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 2026235059 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1115 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7024 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1115 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7024 |
| Document Number | 0000685154 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 2021-0685154 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VILLA PARK, IL 60181 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,747,176 (+2%) Land $1,115,125 Building $1,632,051 | |
| 2025 | $29,035.00 (+6.09%) Homeowner's exemption | $2,693,310 (+4.04%) Land $1,093,260 Building $1,600,050 |
| 2023 | $27,368.00 (+10.15%) Homeowner's exemption | $2,588,727 Land $1,050,808 Building $1,537,919 |
| 2022 | $24,845.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Cox Communications, Verizon.
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