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120 Cerro St, Encinitas, CA 92024 Property Records

San Diego County property record for 120 Cerro St, Encinitas, CA 92024

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,175 sqft · built 1973
Lot Size0.158 acres (6,900 sqft)
Owner2 Individual Names on File
Last Sale$1,748,000 (Nov 2025)
Tax Bill$12,486 (2025)
Deeds & MortgagesNov 2025 Sale & Mortgage
Jul 2021 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN259-330-04-00

Property Details

APN / Parcel Number

Primary APN259-330-04-00

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,175 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Architectural StyleRanch
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialTile
Lot Area6,900 sqft (0.158 acres)
Garage TypeCarport
CarportCarport
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address120 CERRO ST
CityENCINITAS
StateCA
Zip92024-4820
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR8
Legal DescriptionLOT 4 TR 007013
Legal SubdivisionEMERALD CLASSIC
Legal Tract007013
Legal Block4
Legal Lot Number4
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group4
Census Block4000
Census Tract17403

Owner

Source: San Diego County records · APN 259-330-04-00

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address6215 SUNROSE CREST WAY, SAN DIEGO, CA 92130-6871
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 07, 2025Grant Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jul 06, 2021Intrafamily Transfer, Transfer
Apr 05, 2017Deed of Trust, Mortgage · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA
Jun 10, 2019Deed of Trust, Mortgage · ARM
MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 07, 2025 · Amount on Record
Deed SaleNov 07, 2025 · Amount on Record
Prior SaleAug 25, 2016 · Amount on Record
Deed Document Number2025316089
Prior Transfer DateJun 14, 2021
Prior Transfer Doc0000484107
Record UpdatedSep 20, 2026

November 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateNov 07, 2025
Property Address120 CERRO ST, ENCINITAS, CA 92024-4820
Document Number0000316089
Map ReferenceMAP 7013
Instrument DateNov 04, 2025
Instrument2025-0316089
Transaction TypeTransfer
Record UpdatedNov 26, 2025
Title CompanyUNKNOWN, ROCKET CLOSE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1000 N GREEN VALLEY PKWY STE 440, 440, HENDERSON, NV 89074-6172

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6215 SUNROSE CREST WAY, SAN DIEGO, CA 92130-6871

Mortgage

Document Number0000316090
DateNov 07, 2025
Instrument2025-0316090
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2055

July 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateJul 06, 2021
Property Address120 CERRO ST, ENCINITAS, CA 92024-4820
Document Number0000484107
Map ReferenceMAP 7013
Instrument DateJun 14, 2021
Instrument2021-0484107
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1470 ENCLINITAS BOULE #115 # 115, 115, ENCINITAS, CA 92024

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address120 CERRO ST, ENCINITAS, CA 92024-4820
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyEQUITY IRVINE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000151844
DateApr 05, 2017
Instrument2017-0151844
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2047

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address120 CERRO ST, ENCINITAS, CA 92024-4820
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000222640
DateJun 10, 2019
Instrument2019-0222640
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressCINCINNATI, OH 45245
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 01, 2049
Interest
Rate TypeAdjustable Rate
Rate3.6%
Type Change DateJul 01, 2029
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change8.6%
Index1-Year LIBOR
Max Rate8.6%

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEncinitas City
Elementary School DistrictEncinitas Union Elementary School District (KG - 06)
Secondary School DistrictSan Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$1,748,000 (+59.55%) Land $1,400,000 Building $348,000
2025$12,486.00 (+6.88%)$1,095,584 (+4.04%) Land $766,912 Building $328,672
2023$11,682.00 (+2.97%)$1,053,043 Land $737,133 Building $315,910
2022$11,345.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 670 locations within half a mile · Last verified October 2026

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

May also be available: California Internet, Ting Fiber, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemOLIVENHAIN MWD
serves 86,458 people
Water SourcePurchased surface water from several systems
Last State InspectionMay 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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