1140 Monterey Pl, Encinitas, CA 92024 Property Records

San Diego County property record for 1140 Monterey Pl, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,792 sqft · built 1998
Lot Size	1.78 acres (77,712 sqft)
Owner	2 Company Names on Record
Last Sale	$889,000 (May 2018)
Tax Bill	$12,960 (2025)
Deeds & Mortgages	Oct 2025 Transfer Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-510-06-05`

Property Details

APN / Parcel Number

Primary APN	`257-510-06-05`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,792 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	77,712 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1140 MONTEREY PL
City	ENCINITAS
State	CA
Zip	92024-1340
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	ER-MU1
Legal Description	LOT 2 US 24PER DOC97-060627&UND INT IN MODULE C COMMON AREA IN TR 013365
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	013365
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
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	2 Company Names on Record
Mailing Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Intrafamily Transfer, Transfer
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 16, 2018	Grant Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	Nov 7, 2012 · Amount on Record
Deed Document Number	2018197910
Prior Transfer Date	Dec 5, 2000
Prior Transfer Doc	0000677029
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2025
Property Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340
Document Number	0000273180
Map Reference	FILE 1997-0060627
Instrument Date	Sep 17, 2025
Instrument	2025-0273180
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340

Mortgage

Document Number	0000606581
Date	Aug 26, 2021
Instrument	2021-0606581

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000250181
Date	Jun 26, 2019
Instrument	2019-0250181

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 16, 2018
Property Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340
Document Number	0000197910
Map Reference	FILE 1997-0060627
Instrument Date	Apr 30, 2018
Instrument	2018-0197910
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1140 MONTEREY PL, ENCINITAS, CA 92024-1340

Mortgage

Document Number	0000197911
Date	May 16, 2018
Instrument	2018-0197911

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Mortgage

Document Number	0000197912
Date	May 16, 2018
Instrument	2018-0197912

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,031,753 (+2%) Land $557,707 Building $474,046
2025	$12,960.00 (+4.88%) Homeowner's exemption	$1,011,523 (+4.04%) Land $546,772 Building $464,751
2023	$12,357.00 (+4.76%) Homeowner's exemption	$972,246 Land $525,541 Building $446,705
2022	$11,796.00

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	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.

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