1188 Via Zamia, Encinitas, CA 92024 Property Records

San Diego County property record for 1188 Via Zamia, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,515 sqft · built 2005
Lot Size	0.63 acres (27,443 sqft)
Owner	Company Name on Record
Last Sale	$2,350,000 (Aug 2019)
Tax Bill	$33,382 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-613-20-00`

Property Details

APN / Parcel Number

Primary APN	`254-613-20-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	5,515 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	27,443 sqft (0.63 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1188 VIA ZAMIA
City	ENCINITAS
State	CA
Zip	92024-6336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3
Legal Description	LOT 3 TR 014611
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014611
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	17605

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	Company Name on Record
Mailing Address	1188 VIA ZAMIA, ENCINITAS, CA 92024-6336
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 16, 2019	Grant Deed, Transfer BANK OF AMERICA
Mar 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage BERNARD S HOLLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Prior Sale	Mar 28, 2006 · Amount on Record
Deed Document Number	2019347098
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1188 VIA ZAMIA, ENCINITAS, CA 92024-6336
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1188 VIA ZAMIA, ENCINITAS, CA 92024-6336

Mortgage

Document Number	0000158673
Date	Mar 1, 2021
Instrument	2021-0158673

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 16, 2019
Property Address	1188 VIA ZAMIA, ENCINITAS, CA 92024-6336
Document Number	0000347098
Instrument Date	Jul 1, 2019
Instrument	347098
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,585.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1188 VIA ZAMIA ENCINITAS CA 920246336, ENCINITAS, CA 92024-6336
Investor	Possibly a Property Investor

Mortgage

Document Number	347099
Date	Aug 16, 2019
Instrument	347099

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1188 VIA ZAMIA, ENCINITAS, CA 92024-6336
Document Number	0000126591
Instrument Date	Mar 25, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1188 VIA ZAMIA ENCINITAS CA 920246336, ENCINITAS, CA 92024-6336

Mortgage

Document Number	0000126591
Date	Mar 29, 2018
Instrument	126591

Lender

Name	BERNARD S HOLLAND
Address	11640 KISMET RD, SAN DIEGO, CA 92128-5024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$2,727,464 (+6.12%) Land $1,310,732 Building $1,416,732
2025	$33,382.00 (+5.7%) Homeowner's exemption	$2,570,064 (+4.04%) Land $1,285,032 Building $1,285,032
2023	$31,581.00 (+4.94%) Homeowner's exemption	$2,470,268 Land $1,235,134 Building $1,235,134
2022	$30,094.00

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	5 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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% 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	SAN DIEGUITO WD serves 40,405 people · EPA ID CA3710021
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2022
Lead	1 ppb (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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Ting.

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