1194 Via Zamia, Encinitas, CA 92024 Property Records

San Diego County property record for 1194 Via Zamia, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 5,000 sqft · built 2005
Lot Size	0.52 acres (22,651 sqft)
Owner	Company Name on Record
Last Sale	$2,488,000 (Jul 2018)
Tax Bill	$35,990 (2025)
Deeds & Mortgages	Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`254-613-21-00`

Property Details

APN / Parcel Number

Primary APN	`254-613-21-00`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Building Area	5,000 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	22,651 sqft (0.52 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1194 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 4 TR 014611
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014611
Legal Block	2
Legal Lot Number	4
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	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Aug 20, 2018	Intrafamily Transfer, Transfer · ARM WESTERN RESOURCES TITLE COMP
Jul 3, 2018	Grant Deed, Transfer CORINTHIAN TITLE COMPANY
May 22, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	May 30, 2014 · Amount on Record
Deed Document Number	2018271734
Last Transfer Date	Aug 7, 2018
Transfer Doc	0000341308
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000486551
Date	Oct 25, 2019
Instrument	2019-0486551

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Nov 1, 2026
Change Frequency	Monthly
Min Rate At Change	2.95%
Index	1-Year CMT
Max Rate	10.9%

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2018
Property Address	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336
Document Number	0000341308
Map Reference	MAP 14611
Instrument Date	Aug 7, 2018
Instrument	2018-0341308
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	WESTERN RESOURCES TITLE COMP

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	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336

Mortgage

Document Number	0000341309
Date	Aug 20, 2018
Instrument	2018-0341309

Lender

Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.65%
Max Rate At Change	10.9%
Index	1-Year LIBOR
Max Rate	10.9%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 3, 2018
Property Address	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336
Document Number	0000271734
Instrument Date	Jun 27, 2018
Instrument	271734
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,736.80
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	7376 SITIO LIMA CARLSBAD CA 920098470, CARLSBAD, CA 92009-8470

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1194 VIA ZAMIA, ENCINITAS, CA 92024-6336
Document Number	0000225576
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1194 VIA ZAMIA ENCINITAS CA 920246336, ENCINITAS, CA 92024-6336

Mortgage

Document Number	0000225576
Date	Jun 5, 2018
Instrument	225576

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$2,830,915 (+2%) Land $1,706,742 Building $1,124,173
2025	$35,990.00 (+4.14%) Homeowner's exemption	$2,775,408 (+4.04%) Land $1,673,277 Building $1,102,131
2024	$34,560.00 (+1.65%)
2023	$33,999.00 (+4.27%) Homeowner's exemption	$2,667,637 Land $1,608,302 Building $1,059,335
2022	$32,606.00

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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