1339 Caminito Laura, Encinitas, CA 92024 Property Records

San Diego County property record for 1339 Caminito Laura, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,571 sqft · built 1989
Lot Size	1.01 acres (44,431 sqft)
Owner	Company Name on File
Last Sale	$608,500 (Apr 1994)
Tax Bill	$15,478 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`264-161-28-00`

Property Details

APN / Parcel Number

Primary APN	`264-161-28-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,571 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	44,431 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1339 CAMINITO LAURA
City	ENCINITAS
State	CA
Zip	92024-7003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 67 TR 009051
Legal Subdivision	ENCINITAS 3494-1
Legal Tract	009051
Legal Block	2
Legal Lot Number	67
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17111

Owner

1339 Caminito Laura is owned by a company that bought it in April 1994 and is owner-occupied.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Apr 26, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Apr 26, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Aug 20, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Aug 20, 2018	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 1994 · Amount on File
Deed Sale	Apr 11, 1994 · Amount on File
Prior Sale	Nov 22, 1991 · Amount on File
Deed Document Number	1994238812
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003

Mortgage

Document Number	0000124165
Date	Mar 21, 2022
Instrument	2022-0124165

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003

Mortgage

Document Number	0000433856
Date	Jun 14, 2021
Instrument	2021-0433856

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	1-Year T-Bill
Max Rate	8.62%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000185688
Date	Apr 26, 2017
Instrument	2017-0185688

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000185687
Date	Apr 26, 2017
Instrument	2017-0185687

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	481 Months
Due	May 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000341962
Date	Aug 20, 2018
Instrument	2018-0341962

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1339 CAMINITO LAURA, ENCINITAS, CA 92024-7003
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000341961
Date	Aug 20, 2018
Instrument	2018-0341961

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 1339 Caminito Laura was $15,478 with a homeowner's exemption.

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		$1,248,587 (+2%) Land $433,408 Building $815,179
2025	$15,478.00 Homeowner's exemption	$1,224,106 Land $424,910 Building $799,196
2023	$14,176.00 (+1.78%) Homeowner's exemption	$1,176,574 Land $408,411 Building $768,163
2022	$13,928.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1339 Caminito Laura in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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 File 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

Wildfire risk around 1339 Caminito Laura is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% 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	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 85 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 / 35
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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