1403 Rainbow Ridge Ln, #13, Encinitas, CA 92024 Property Records

San Diego County property record for 1403 Rainbow Ridge Ln, #13, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 4,620 sqft · built 2015
Lot Size	0.98 acres (42,689 sqft)
Owner	Trust Name on File
Last Sale	$2,300,000 (Aug 2020)
Tax Bill	$31,301 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`254-181-24-00`

Property Details

APN / Parcel Number

Primary APN	`254-181-24-00`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	4,620 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	42,689 sqft (0.98 acres)

Location & Zoning

Street Address	1403 RAINBOW RIDGE LN, 13
City	ENCINITAS
State	CA
Zip	92024-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	PAR 4 TR PM20412
Legal Subdivision	CITY/ENCINITAS
Legal Tract	1020412
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17601

Owner

1403 Rainbow Ridge Ln, #13 is owner-occupied and held in a trust since August 2020.

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

Owner of Record	Trust Name on File
Mailing Address	1403 RAINBOW RIDGE LN, ENCINITAS, CA 92024-1817
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 4, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Prior Sale	May 1, 2014 · Amount on File
Deed Document Number	2020446908
Prior Transfer Date	Mar 11, 2014
Prior Transfer Doc	0000282971
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1403 RAINBOW RIDGE LN # 13, 13, ENCINITAS, CA 92024-1817
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1403 RAINBOW RIDGE LN, ENCINITAS, CA 92024-1817
Investor	Possibly a Property Investor

Mortgage

Document Number	0000167346
Date	Apr 18, 2022
Instrument	2022-0167346

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1403 RAINBOW RIDGE LN # 13, 13, ENCINITAS, CA 92024-1817
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000179490
Date	May 4, 2018
Instrument	2018-0179490

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1403 Rainbow Ridge Ln, #13 was $31,301 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		$2,871,840 (+2%) Land $1,664,610 Building $1,207,230
2025	$31,301.00 Homeowner's exemption	$2,815,530 Land $1,631,971 Building $1,183,559
2023	$27,869.00 (+6.62%) Homeowner's exemption	$2,566,200 Land $1,568,600 Building $997,600
2022	$26,138.00

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

Flood

FEMA maps place 1403 Rainbow Ridge Ln, #13 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2023 · 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 1403 Rainbow Ridge Ln, #13 is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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	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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