1408 Lauren Ct, Encinitas, CA 92024 Property Records

San Diego County property record for 1408 Lauren Ct, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,413 sqft · built 2002
Lot Size	0.32 acres (13,960 sqft)
Owner	2 Company Names on File
Last Sale	$1,455,000 (Apr 2017)
Tax Bill	$22,803 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-670-02-00`

Property Details

APN / Parcel Number

Primary APN	`254-670-02-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	5,413 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	13,960 sqft (0.32 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1408 LAUREN CT
City	ENCINITAS
State	CA
Zip	92024-6214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3
Legal Description	LOT 2 TR 014057
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014057
Legal Block	4
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4019
Census Tract	17601

Owner

1408 Lauren Ct is owned by a company that bought it in April 2017.

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

Owner of Record	2 Company Names on File
Mailing Address	13157 LA PALOMA RD, LOS ALTOS HILLS, CA 94022-3334
Owner Type	Company
Vesting	Life Tenant

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
Oct 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 12, 2023	Grant Deed, Transfer
Apr 7, 2017	Grant Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2017 · Amount on File
Deed Sale	Apr 7, 2017 · Amount on File
Prior Sale	Nov 15, 2001 · Amount on File
Deed Document Number	2017158234
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1408 LAUREN CT, ENCINITAS, CA 92024-6214
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13157 LA PALOMA RD, LOS ALTOS HILLS, CA 94022-3334

Mortgage

Document Number	0000284475
Date	Oct 10, 2025
Instrument	2025-0284475

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.3%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2023
Property Address	1408 LAUREN CT, ENCINITAS, CA 92024-6214
Document Number	0000341272
Map Reference	MAP 14057
Instrument Date	Nov 9, 2023
Instrument	2023-0341272
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	13157 LA PALOMA RD, LOS ALTOS HILLS, CA 94022-3334

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 7, 2017
Property Address	1408 LAUREN CT, ENCINITAS, CA 92024-6214
Document Number	0000158234
Map Reference	MAP14057
Instrument Date	Feb 16, 2017
Instrument	2017-0158234
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13157 LA PALOMA RD, LOS ALTOS HILLS, CA 94022-3334
Mail Care Of	DOROTHY GURWITH

Mortgage

Document Number	0000158235
Date	Apr 7, 2017
Instrument	2017-0158235

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	May 1, 2024
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	9.95%

Mortgage

Document Number	0000158236
Date	Apr 7, 2017
Instrument	2017-0158236

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly
Index	Prime Rate
Max Rate	14.9%

Tax Assessment & Valuation

The 2025 property tax bill for 1408 Lauren Ct was $22,803.

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		$1,722,420 (+2%) Land $828,655 Building $893,765
2025	$22,803.00	$1,688,648 Land $812,407 Building $876,241
2023	$22,023.00 (+5.85%)	$1,623,077 Land $780,861 Building $842,216
2022	$20,805.00

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

Flood

FEMA maps place 1408 Lauren Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1408 Lauren Ct is moderate, ranking above 53% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cox Communications, Ting, Verizon.

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