1427 Elva Ter, Encinitas, CA 92024 Property Records

San Diego County property record for 1427 Elva Ter, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,953 sqft · built 1977
Lot Size	0.22 acres (9,588 sqft)
Owner	Company Name on Record
Last Sale	$730,000 (Feb 2005)
Tax Bill	$11,571 (2025)
Deeds & Mortgages	Nov 2022 Transfer Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`259-543-27-00`

Property Details

APN / Parcel Number

Primary APN	`259-543-27-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,953 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	9,588 sqft (0.22 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1427 ELVA TER
City	ENCINITAS
State	CA
Zip	92024-4728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LOT 349 TR 008131
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	008131
Legal Block	4
Legal Lot Number	349
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4007
Census Tract	17403

Owner

Source: San Diego County records, as of July 28, 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 Record
Mailing Address	1427 ELVA TER, ENCINITAS, CA 92024-4728
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Intrafamily Transfer, Transfer
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jul 29, 2019	Deed of Trust, Mortgage · ARM FLORIDA CAPITAL BANK NA
Sep 23, 2019	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2005 · Amount on Record
Deed Sale	Feb 4, 2005 · Amount on Record
Prior Sale	Jun 8, 1989 · Amount on Record
Deed Document Number	200595086
Last Transfer Date	Nov 3, 2022
Transfer Doc	0000431164
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2022
Property Address	1427 ELVA TER, ENCINITAS, CA 92024-4728
Document Number	0000431164
Map Reference	MAP 8131
Instrument Date	Nov 3, 2022
Instrument	2022-0431164
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	1427 ELVA TER, ENCINITAS, CA 92024-4728

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1427 ELVA TER, ENCINITAS, CA 92024-4728
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 ELVA TER, ENCINITAS, CA 92024-4728

Mortgage

Document Number	0000615340
Date	Aug 30, 2021
Instrument	2021-0615340

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 31, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1427 ELVA TER, ENCINITAS, CA 92024-4728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000307828
Date	Jul 29, 2019
Instrument	2019-0307828

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1427 ELVA TER, ENCINITAS, CA 92024-4728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416240
Date	Sep 23, 2019
Instrument	2019-0416240

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 30, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1427 ELVA TER, ENCINITAS, CA 92024-4728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 ELVA TER, ENCINITAS, CA 92024-4728

Mortgage

Document Number	0000509646
Date	Sep 2, 2020
Instrument	2020-0509646

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$1,037,828 (+2%) Land $710,843 Building $326,985
2025	$11,571.00 (+6.97%) Homeowner's exemption	$1,017,479 (+4.04%) Land $696,905 Building $320,574
2023	$10,817.00 (+2.35%) Homeowner's exemption	$977,972 Land $669,845 Building $308,127
2022	$10,569.00

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	Not rated no burnable land within 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 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, Ting, Verizon.

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