1386 Bello Mar Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1386 Bello Mar Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 5,019 sqft · built 1999
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Company Names on Record
Last Sale	$1,685,000 (Aug 2009)
Tax Bill	$24,040 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`216-500-01-00`

Property Details

APN / Parcel Number

Primary APN	`216-500-01-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	5,019 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	33,541 sqft (0.77 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1386 BELLO MAR DR
City	ENCINITAS
State	CA
Zip	92024-1289
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	LOT 1 TR 012918
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012918
Legal Block	4
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4014
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 Company Names on Record
Mailing Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Sep 15, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 15, 2025	Intrafamily Transfer, Transfer · Line of Credit CALIFORNIA COAST CU
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA
May 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2009 · Amount on Record
Deed Sale	Aug 18, 2009 · Amount on Record
Prior Sale	Apr 15, 1998 · Amount on Record
Deed Document Number	2009461665
Last Transfer Date	Sep 4, 2025
Transfer Doc	0000254691
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289

Mortgage

Document Number	0000837410
Date	Dec 10, 2021
Instrument	2021-0837410

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2025
Property Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289
Document Number	0000254691
Map Reference	MAP 12918
Instrument Date	Sep 4, 2025
Instrument	2025-0254691
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2025
Property Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289
Document Number	0000254103
Map Reference	MAP 12918
Instrument Date	Sep 4, 2025
Instrument	2025-0254103
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF CA SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289

Mortgage

Document Number	0000254104
Date	Sep 15, 2025
Instrument	2025-0254104

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000550618
Date	Nov 26, 2019
Instrument	2019-0550618

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2034
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 BELLO MAR DR, ENCINITAS, CA 92024-1289
Document Number	0000227936
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 BELLO MAR DR ENCINITAS CA 920241289, ENCINITAS, CA 92024-1289

Mortgage

Document Number	0000227936
Date	May 22, 2017
Instrument	227936

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$2,218,502 (+2%) Land $1,119,125 Building $1,099,377
2025	$24,040.00 (+6.51%) Homeowner's exemption	$2,175,003 (+4.04%) Land $1,097,182 Building $1,077,821
2023	$22,571.00 (+2.17%) Homeowner's exemption	$2,090,547 Land $1,054,578 Building $1,035,969
2022	$22,092.00

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 95% of the US · lower than 97% 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	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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