1146 Rancho Encinitas Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1146 Rancho Encinitas Dr, Encinitas, CA 92024 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,646 sqft · built 1988
Lot Size	1.1 acres (47,916 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (May 2019)
Tax Bill	$24,544 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Nov 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`264-161-05-00`

Property Details

APN / Parcel Number

Primary APN	`264-161-05-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,646 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	47,916 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1146 RANCHO ENCINITAS DR
City	ENCINITAS
State	CA
Zip	92024-7023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 TR 009051
Legal Subdivision	ENCINITAS
Legal Tract	009051
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17111

Owner

Source: San Diego County records · APN 264-161-05-00

Assessment roll updated July 21, 2026 · Last verified July 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	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 09, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Nov 20, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Nov 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Nov 03, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Mar 02, 2021	Intrafamily Transfer, Transfer
Jan 30, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 17, 2019	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS
Nov 17, 2018	Deed of Trust, Mortgage GLENN B RANKIN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 17, 2019 · Amount on Record
Deed Sale	May 17, 2019 · Amount on Record
Prior Sale	Dec 27, 2012 · Amount on Record
Deed Document Number	2019187375
Prior Transfer Date	Nov 01, 2004
Prior Transfer Doc	0001062648
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000361928
Date	Jul 09, 2020
Instrument	2020-0361928

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023

Mortgage

Document Number	0000740085
Date	Nov 20, 2020
Instrument	2020-0740085

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023

Mortgage

Document Number	0000765256
Date	Nov 03, 2021
Instrument	2021-0765256

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Nov 01, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023

Mortgage

Document Number	0000765257
Date	Nov 03, 2021
Instrument	2021-0765257

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 02, 2021
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Document Number	0000161523
Map Reference	MAP 9051
Instrument Date	Dec 18, 2020
Instrument	2021-0161523
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Document Number	0000057972
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1146 RANCHO ENCINITAS DR ENCINITAS CA 920247023, ENCINITAS, CA 92024-7023

Mortgage

Document Number	0000057972
Date	Feb 04, 2020
Instrument	57972

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 03, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 17, 2019
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Document Number	0000187375
Instrument Date	May 06, 2019
Instrument	187375
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1146 RANCHO ENCINITAS DR ENCINITAS CA 920247023, ENCINITAS, CA 92024-7023

Mortgage

Document Number	187376
Date	May 17, 2019
Instrument	187376

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	1525 S BELT LINE RD, COPPELL, TX 75019-4913

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1146 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Document Number	0000489077
Instrument Date	Nov 17, 2018
Transaction Type	Mortgage
Record Updated	Dec 06, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1146 RANCHO ENCINITAS DR ENCINITAS CA 920247023, ENCINITAS, CA 92024-7023

Mortgage

Document Number	0000489077
Date	Nov 27, 2018
Instrument	489077

Lender

Name	GLENN B RANKIN
Address	651 N GRANADOS AVE, SOLANA BEACH, CA 92075-1266

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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		$2,108,394 (+2%) Land $1,251,609 Building $856,785
2025	$24,544.00 (+15.13%) Homeowner's exemption	$2,067,054 (+11.5%) Land $1,227,068 Building $839,986
2023	$21,319.00 (+1.85%) Homeowner's exemption	$1,853,789 Land $1,179,420 Building $674,369
2022	$20,931.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730171112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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, availability as of December 31, 2025 · Published October 2026 · based on 166 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
AT&T	DSL	100 / 20

May also be available at this address: Verizon, AT&T, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rancho Encinitas Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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