1158 Cambria Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1158 Cambria Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,543 sqft · built 1999
Lot Size	1.51 acres (66,055 sqft)
Owner	Trust Name on File
Last Sale	$845,000 (May 2019)
Tax Bill	$12,118 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-040-58-05`

Property Details

APN / Parcel Number

Primary APN	`257-040-58-05`

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	66,055 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1158 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 19PER DOCS97-477916&98-132385&UND INT IN MODULE C TR 013417
Legal Subdivision	ENCINITAS ESTATES
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

1158 Cambria Way, a condominium, is owner-occupied and held in a trust since October 2020.

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

Owner of Record	Trust Name on File
Mailing Address	1158 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Apr 25, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 1, 2018	Deed of Trust, Mortgage · ARM MISSION FCU
Oct 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 21, 2019	Grant Deed, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2019 · Amount on File
Deed Sale	May 21, 2019 · Amount on File
Prior Sale	Sep 8, 2016 · Amount on File
Deed Document Number	2019193113
Last Transfer Date	Oct 2, 2020
Transfer Doc	0000622557
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1158 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000183456
Date	Apr 25, 2017
Instrument	2017-0183456

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1158 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081046
Date	Mar 1, 2018
Instrument	2018-0081046

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Mar 1, 2023
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.12%
Index	5-Year CMT
Max Rate	8.12%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2020
Property Address	1158 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Document Number	0000622557
Instrument Date	Oct 2, 2020
Instrument	622557
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1158 CAMBRIA WAY ENCINITAS CA 920241345, ENCINITAS, CA 92024-1345

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 21, 2019
Property Address	1158 CAMBRIA WAY, ENCINITAS, CA 92024-1345
Document Number	0000193113
Map Reference	FILE 1998-0416281
Instrument Date	Apr 24, 2019
Instrument	2019-0193113
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
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
Address	1158 CAMBRIA WAY, ENCINITAS, CA 92024-1345

Mortgage

Document Number	0000193114
Date	May 21, 2019
Instrument	2019-0193114

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1158 Cambria Way was $12,118 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		$961,459 (+2%) Land $717,368 Building $244,091
2025	$12,118.00 Homeowner's exemption	$942,607 Land $703,302 Building $239,305
2023	$11,543.00 (+4.69%) Homeowner's exemption	$906,006 Land $675,993 Building $230,013
2022	$11,026.00

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

Flood

FEMA maps place 1158 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 1158 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.

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