1148 Monterey Pl, Encinitas, CA 92024 Property Records

San Diego County property record for 1148 Monterey Pl, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,741 sqft · built 1998
Lot Size	1.78 acres (77,712 sqft)
Owner	2 Company Names on Record
Last Sale	$1,349,000 (Sep 2022)
Tax Bill	$17,251 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`257-510-06-03`

Property Details

APN / Parcel Number

Primary APN	`257-510-06-03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,741 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	1148 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 22PER 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	1148 MONTEREY PL, ENCINITAS, CA 92024-1340
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	2022376754
Prior Transfer Date	Apr 7, 2016
Prior Transfer Doc	0000175307
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2022
Property Address	1148 MONTEREY PL, ENCINITAS, CA 92024-1340
Document Number	0000376754
Map Reference	MAP 13365
Instrument Date	Sep 6, 2022
Instrument	2022-0376754
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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	3625 SAGE CANYON DR, ENCINITAS, CA 92024-7918

Mortgage

Document Number	0000376755
Date	Sep 27, 2022
Instrument	2022-0376755

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	5-Year CMT
Max Rate	9.87%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1148 MONTEREY PL, ENCINITAS, CA 92024-1340
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 MONTEREY PL, ENCINITAS, CA 92024-1340

Mortgage

Document Number	0000588531
Date	Sep 30, 2020
Instrument	2020-0588531

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

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		$1,431,568 (+2%) Land $1,114,268 Building $317,300
2025	$17,251.00 (+5.16%)	$1,403,499 (+4.04%) Land $1,092,420 Building $311,079
2023	$16,404.00 (+70.84%)	$1,349,000 Land $1,050,000 Building $299,000
2022	$9,602.00

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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