1138 Cambria Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1138 Cambria Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,543 sqft · built 1999
Lot Size	1.13 acres (49,279 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jan 2013)
Tax Bill	$9,066 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`257-040-60-03`

Property Details

APN / Parcel Number

Primary APN	`257-040-60-03`

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 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	49,279 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1138 CAMBRIA WAY
City	ENCINITAS
State	CA
Zip	92024-1345
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	ER-MU1
Legal Description	LOT 1 US 24PER DOCS98-336294&97-484531&UND INT IN MODULE E IN TR 013417
Legal Subdivision	ENCINITAS 96-007 PH 3
Legal Tract	013417
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	17606

Owner

1138 Cambria Way, a condominium, is owned and occupied by two individuals who bought it in January 2013.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1138 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 5, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2013 · Amount on File
Deed Sale	Jan 22, 2013 · Amount on File
Prior Sale	May 8, 2001 · Amount on File
Deed Document Number	201342983
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1138 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Transaction Type	Mortgage
Record Updated	Jul 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 CAMBRIA WAY, ENCINITAS, CA 92024-1345

Mortgage

Document Number	0000183651
Date	Jul 13, 2023
Instrument	2023-0183651

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1138 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000323469
Date	Aug 5, 2019
Instrument	2019-0323469

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1138 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SYNRGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 CAMBRIA WAY, ENCINITAS, CA 92024-1345

Mortgage

Document Number	0000561409
Date	Sep 23, 2020
Instrument	2020-0561409

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1138 Cambria Way was $9,066 with a homeowner's exemption.

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		$671,976 (+2%) Land $294,811 Building $377,165
2025	$9,066.00 Homeowner's exemption	$658,801 Land $289,031 Building $369,770
2023	$8,666.00 (+5.61%) Homeowner's exemption	$633,220 Land $277,808 Building $355,412
2022	$8,206.00

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

Flood

FEMA maps place 1138 Cambria Way in Zone X, an area of minimal flood risk.

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

The area around 1138 Cambria Way has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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.

Nearby Properties on Cambria Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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