1225 Rancho Encinitas Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1225 Rancho Encinitas Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,995 sqft · built 1986
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,800,000 (Aug 2021)
Tax Bill	$33,337 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`264-162-08-00`

Property Details

APN / Parcel Number

Primary APN	`264-162-08-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,995 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Material	Wood Shingle
Lot Area	43,996 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1225 RANCHO ENCINITAS DR
City	ENCINITAS
State	CA
Zip	92024-7026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 24 TR 009051
Legal Subdivision	ENCINITAS #3494-1
Legal Tract	009051
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	17111

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	2 Individual Names on Record
Mailing Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Aug 4, 2021	Grant Deed, Transfer · VA Mortgage BAY EQUITY LLC
May 21, 2020	Deed of Trust, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2021 · Amount on Record
Deed Sale	Aug 4, 2021 · Amount on Record
Prior Sale	Mar 20, 2007 · Amount on Record
Deed Document Number	2021555273
Prior Transfer Date	May 28, 2010
Prior Transfer Doc	0000272850
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026
Transaction Type	Mortgage
Record Updated	Mar 16, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026

Mortgage

Document Number	0000101164
Date	Mar 7, 2022
Instrument	2022-0101164

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026
Transaction Type	Mortgage
Record Updated	Nov 8, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026

Mortgage

Document Number	0000753280
Date	Oct 29, 2021
Instrument	2021-0753280

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 4, 2021
Property Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026
Document Number	0000555273
Map Reference	MAP 9051
Instrument Date	Jul 23, 2021
Instrument	2021-0555273
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Joint Tenants
Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026

Mortgage

Document Number	0000555274
Date	Aug 4, 2021
Instrument	2021-0555274

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1225 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7026
Document Number	0000307052
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 RANCHO ENCINITAS DR ENCINITAS CA 920247026, ENCINITAS, CA 92024-7026

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		$3,030,807 (+2%) Land $1,731,890 Building $1,298,917
2025	$33,337.00 (+6.56%)	$2,971,381 (+4.04%) Land $1,697,932 Building $1,273,449
2023	$31,284.00 (+2.49%)	$2,856,000 Land $1,632,000 Building $1,224,000
2022	$30,525.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · rainfall accumulation

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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	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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

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