1211 E Cove Pl, Encinitas, CA 92024 Property Records

San Diego County property record for 1211 E Cove Pl, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,140 sqft · built 2023
Owner	2 Individual Names on File
Last Sale	$1,565,000 (Aug 2023)
Tax Bill	$17,562 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260-131-55-00`

Property Details

APN / Parcel Number

Primary APN	`260-131-55-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,140 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1211 E COVE PL
City	ENCINITAS
State	CA
Zip	92024-3868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 13 TR 016488
Legal Subdivision	ENCINITAS 16488
Legal Tract	016488
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17405

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	1211 E COVE PL, ENCINITAS, CA 92024-3868
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 25, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Apr 3, 2023 · Amount on Record
Deed Document Number	2023232576
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1211 E COVE PL, ENCINITAS, CA 92024-3868
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1211 E COVE PL, ENCINITAS, CA 92024-3868

Mortgage

Document Number	0000054059
Date	Feb 26, 2026
Instrument	2026-0054059

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 25, 2023
Property Address	1211 E COVE PL, ENCINITAS, CA 92024-3868
Document Number	0000232576
Map Reference	MAP 16488
Instrument Date	Aug 15, 2023
Instrument	2023-0232576
Transaction Type	Transfer
Record Updated	Sep 4, 2023
Title Company	FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO HSD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	1211 E COVE PL, ENCINITAS, CA 92024-3868

Mortgage

Document Number	0000232577
Date	Aug 25, 2023
Instrument	2023-0232577

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Sep 1, 2030
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year T-Bill
Max Rate	11.2%

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	Cardiff 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		$1,628,226 (+2%) Land $1,144,440 Building $483,786
2025	$17,562.00 (+166.45%) Homeowner's exemption	$1,596,300 (+190.2%) Land $1,122,000 Building $474,300
2023	$6,591.00 (+110.31%)	$550,069 Land $300,069 Building $250,000
2022	$3,134.00

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Ting Fiber	2,000 / 2,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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