San Diego County property record for 1405 Lake Dr, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1995 |
| Square Footage | 4,287 sqft Living Area |
| Lot Size | 41,382 sqft (0.95 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $951,500 (2003) |
| Tax Bill | $18,208.00 (2025) |
Source: San Diego County records · APN 260-222-27-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Trustor/Debtor (Borrower in Default/Foreclosure On Trustee's Deed) |
| Date | Document |
|---|---|
| Aug 03, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 19, 2019 | Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK |
| Sep 25, 2019 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) MUFG UNION BANK NA |
| Sep 28, 2017 | Quit Claim Deed, Transfer LAWYERS TITLE |
| Sep 28, 2017 | Quit Claim Deed, Transfer Quitclaim Document |
| Sep 28, 2017 | Quit Claim Deed, Transfer WESTERN BANCORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 27, 2003 · Amount on Record |
| Deed Sale | Mar 27, 2003 · Amount on Record |
| Prior Sale | Apr 09, 2001 · Amount on Record |
| Deed Doc Number | 2003348177 |
| Last Transfer Date | Sep 25, 2017 |
| Transfer Doc | 0000445689 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 03, 2026 |
| Property Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Document Number | 0000222366 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026222366 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Document Number | 0000222366, |
|---|---|
| Date | Aug 03, 2026 |
| Instrument | 2026222366 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | PROVIDENT TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000595474 |
|---|---|
| Date | Dec 19, 2019 |
| Instrument | 2019-0595474 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000424117 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 2019-0424117 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 28, 2017 |
| Property Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Document Number | 0000445689 |
| Instrument Date | Sep 25, 2017 |
| Instrument | 445689 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2017 |
| Title Company | LAWYERS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 1405 LAKE DR ENCINITAS CA 920245223, ENCINITAS, CA 92024-5223 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 28, 2017 |
| Property Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Document Number | 0000445692 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 445692 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1405 LAKE DR ENCINITAS CA 920245223, ENCINITAS, CA 92024-5223 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 28, 2017 |
| Property Address | 1405 LAKE DR, ENCINITAS, CA 92024-5223 |
| Document Number | 0000445690 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 445690 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2017 |
| Title Company | LAWYERS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 1405 LAKE DR ENCINITAS CA 920245223, ENCINITAS, CA 92024-5223 |
| Document Number | 445691 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 445691 |
| Name | WESTERN BANCORP |
|---|---|
| Type | Bank |
| Address | 5671 SANTA TERESA BLVD # 100, SAN JOSE, CA 95123-6513 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 27, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Encinitas City |
| Elementary School District | Cardiff Elementary School District (KG - 06) |
| Secondary School District | San Dieguito Union High School District (07 - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,539,187 (+2%) Land $580,085 Building $959,102 | |
| 2025 | $18,208.00 (+3.99%) Homeowner's exemption | $1,509,008 (+4.04%) Land $568,711 Building $940,297 |
| 2023 | $17,510.00 (+1.41%) Homeowner's exemption | $1,450,413 Land $546,628 Building $903,785 |
| 2022 | $17,267.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 260-222-27-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 4,287 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Contemporary Style |
| Exterior Material | Stucco Exterior |
| Roof Material | Tile Roof |
| Lot Area | 41,382 sqft (0.95 acres) |
| Depth X Width | 165 ft x 252 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Old Parcel Number | 2602221500 |
|---|---|
| Street Address | 1405 LAKE DR |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-5223 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SEC 23-13-4W NWQ (EX ST&WID)N165FT OF W294FT OF NEQ OF SEQ OF |
| Legal Range | 04W |
| Legal Township | 13 |
| Legal Section | 23 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 17406 |
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