1232 Rancho Encinitas Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1232 Rancho Encinitas Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,858 sqft · built 1987
Lot Size	1.16 acres (50,965 sqft)
Owner	Company Name on Record
Last Sale	$1,800,000 (Aug 2018)
Tax Bill	$9,610 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`264-161-11-00`

Property Details

APN / Parcel Number

Primary APN	`264-161-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,858 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Tile
Lot Area	50,965 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1232 RANCHO ENCINITAS DR
City	ENCINITAS
State	CA
Zip	92024-7025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 10 TR 009051
Legal Subdivision	COUNTY OF SAN DIEGO TRACT #3494-1
Legal Tract	009051
Legal Block	2
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17111

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	Company Name on Record
Mailing Address	1232 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7025
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Aug 13, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018 · Amount on Record
Deed Sale	Aug 13, 2018 · Amount on Record
Prior Sale	Apr 4, 2012 · Amount on Record
Deed Document Number	2018330401
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1232 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7025
Document Number	0000184766
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1232 RANCHO ENCINITAS DR ENCINITAS CA 920247025, ENCINITAS, CA 92024-7025

Mortgage

Document Number	0000184766
Date	Apr 13, 2020
Instrument	184766

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2018
Property Address	1232 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7025
Document Number	0000330401
Instrument Date	Aug 1, 2018
Instrument	330401
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	CHICAGO TITLE COMPANY-SD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
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	1232 RANCHO ENCINITAS DR ENCINITAS CA 920247025, ENCINITAS, CA 92024-7025

Mortgage

Document Number	330402
Date	Aug 13, 2018
Instrument	330402

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

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		$753,616 (+2%) Land $298,702 Building $454,914
2025	$9,610.00 (+7.13%)	$738,841 (+4.04%) Land $292,846 Building $445,995
2023	$8,970.00 (+4.31%)	$710,152 Land $281,475 Building $428,677
2022	$8,599.00

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
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 80% of the US · lower than 88% 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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: Ting.

Cell Coverage

5G (outdoors only) and 4G LTE

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