1265 Saxony Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 1265 Saxony Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,705 sqft · built 2017
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Nov 2013)
Tax Bill	$10,245 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`254-180-80-00`

Property Details

APN / Parcel Number

Primary APN	`254-180-80-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,705 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	26,572 sqft (0.61 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1265 SAXONY RD
City	ENCINITAS
State	CA
Zip	92024-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	PAR 1 (EX ST) TR PM10207
Legal Subdivision	PCL MAP 10207
Legal Tract	10207
Legal Block	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4019
Census Tract	17601

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	1265 SAXONY RD, ENCINITAS, CA 92024-1819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC
Jul 3, 2017	Deed of Trust, Mortgage · ARM BOFI FEDERAL BANK
Aug 15, 2019	Deed of Trust, Mortgage JMAC LENDING
Jan 31, 2018	Deed of Trust, Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2013 · Amount on Record
Deed Sale	Nov 13, 2013 · Amount on Record
Prior Sale	Jan 19, 2006 · Amount on Record
Deed Document Number	2013672626
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819
Transaction Type	Mortgage
Record Updated	Feb 24, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819

Mortgage

Document Number	0000040477
Date	Feb 16, 2023
Instrument	2023-0040477

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819

Mortgage

Document Number	0000309265
Date	Apr 21, 2021
Instrument	2021-0309265

Lender

Name	JMAC LENDING INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300897
Date	Jul 3, 2017
Instrument	2017-0300897

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	11.6%
Index	1-Year LIBOR
Max Rate	11.6%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819
Document Number	0000358309
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1265 SAXONY RD ENCINITAS CA 920241819, ENCINITAS, CA 92024-1819

Mortgage

Document Number	0000358309
Date	Aug 22, 2019
Instrument	358309

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	2510 REDHILL AVE, SANTA ANA, CA 92705-5542

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Aug 21, 2059

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 SAXONY RD, ENCINITAS, CA 92024-1819
Document Number	0000048296
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1265 SAXONY RD ENCINITAS CA 920241819, ENCINITAS, CA 92024-1819

Mortgage

Document Number	0000048296
Date	Feb 6, 2018
Instrument	48296

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 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		$971,257 (+2%) Land $462,228 Building $509,029
2025	$10,245.00 (+6.13%) Homeowner's exemption	$952,214 (+4.04%) Land $453,165 Building $499,049
2023	$9,653.00 (+2.04%) Homeowner's exemption	$915,240 Land $435,569 Building $479,671
2022	$9,460.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Ting.

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