1170 Rancho Encinitas Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1170 Rancho Encinitas Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,876 sqft · built 1987
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,300,000 (Feb 2026)
Tax Bill	$17,209 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage May 2025 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`264-161-07-00`

Property Details

APN / Parcel Number

Primary APN	`264-161-07-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,876 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	43,996 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1170 RANCHO ENCINITAS DR
City	ENCINITAS
State	CA
Zip	92024-7023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 6 TR 009051
Legal Subdivision	COUNTY/SAN DIEGO #3494-1
Legal Tract	009051
Legal Block	2
Legal Lot Number	6
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, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1170 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Grant Deed, Transfer · Conventional Mortgage BAXTER CU
May 9, 2025	Grant Deed, Construction Loan · Construction Mortgage RFLF 4 LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	May 9, 2025 · Amount on Record
Deed Document Number	202643099
Prior Transfer Date	Sep 12, 2014
Prior Transfer Doc	0000489537
Record Updated	Sep 20, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 17, 2026
Property Address	1170 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Document Number	0000043099
Map Reference	MAP 9051
Instrument Date	Jan 21, 2026
Instrument	2026-0043099
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE

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	1170 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023

Mortgage

Document Number	0000043100
Date	Feb 17, 2026
Instrument	2026-0043100

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	10.1%

May 2025: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 9, 2025
Property Address	1170 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7023
Document Number	0000123575
Map Reference	MAP 9051
Instrument Date	Apr 15, 2025
Instrument	2025-0123575
Transaction Type	Construction Loan
Record Updated	May 20, 2025
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	7580 TRADE ST STE B, B, SAN DIEGO, CA 92121-2479

Mortgage

Document Number	0000123576
Date	May 9, 2025
Instrument	2025-0123576

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 1, 2026

Mortgage

Document Number	0000126192
Date	May 13, 2025
Instrument	2025-0126192

Lender

Name	NAO INVESTMENTS LLC
Type	Non-Lending Institution
Address	LA JOLLA, CA 92037

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$2,142,000 (+49.64%) Land $1,734,000 Building $408,000
2025	$17,209.00 (+7.49%)	$1,431,471 (+4.04%) Land $590,906 Building $840,565
2023	$16,010.00 (+0.7%)	$1,375,887 Land $567,961 Building $807,926
2022	$15,899.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 11 policies
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

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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

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