1202 Cambria Way, Encinitas, CA 92024 Property Records

San Diego County property record for 1202 Cambria Way, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,543 sqft · built 1999
Lot Size	0.925 acres (40,296 sqft)
Owner	2 Individual Names on Record
Last Sale	$621,000 (May 2007)
Tax Bill	$10,982 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`257-040-55-07`

Property Details

APN / Parcel Number

Primary APN	`257-040-55-07`

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	40,296 sqft (0.925 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1202 CAMBRIA WAY
City	ENCINITAS
State	CA
Zip	92024-1336
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	ER-MU1
Legal Description	US 14PER DOC97-329466&UND INT IN MODULE A COMMON AREA IN TR 013417
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	013417
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	17606

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	660 WINDMILL RANCH RD, ENCINITAS, CA 92024-6558
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2019	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2007 · Amount on Record
Deed Sale	May 3, 2007 · Amount on Record
Prior Sale	Jul 5, 2006 · Amount on Record
Deed Document Number	2007304199
Prior Transfer Date	Dec 14, 2001
Prior Transfer Doc	0000246204
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1202 CAMBRIA WAY, ENCINITAS, CA 92024-1336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 WINDMILL RANCH RD, ENCINITAS, CA 92024-6558

Mortgage

Document Number	0000030914
Date	Jan 28, 2019
Instrument	2019-0030914

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	10.6%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1202 CAMBRIA WAY, ENCINITAS, CA 92024-1336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 WINDMILL RANCH RD, ENCINITAS, CA 92024-6558

Mortgage

Document Number	0000720761
Date	Nov 17, 2020
Instrument	2020-0720761

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$848,595 (+2%) Land $588,961 Building $259,634
2025	$10,982.00 (+5.6%)	$831,957 (+4.04%) Land $577,413 Building $254,544
2023	$10,400.00 (+4.99%) Homeowner's exemption	$799,653 Land $554,993 Building $244,660
2022	$9,906.00

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	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

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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