1481 Heritage Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 1481 Heritage Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,416 sqft · built 2003
Lot Size	0.21 acres (9,157 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Mar 2016)
Tax Bill	$18,836 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-700-19-00`

Property Details

APN / Parcel Number

Primary APN	`254-700-19-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,416 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	9,157 sqft (0.21 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1481 HERITAGE LN
City	ENCINITAS
State	CA
Zip	92024-2381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 19 TR 014257
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014257
Legal Block	2
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17605

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	2 Individual Names on Record
Mailing Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2016 · Amount on Record
Deed Sale	Mar 25, 2016 · Amount on Record
Prior Sale	Oct 29, 2003 · Amount on Record
Deed Document Number	2016134027
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381

Mortgage

Document Number	0000267616
Date	Oct 3, 2023
Instrument	2023-0267616

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	FIDELITY-SHERMAN OAKS, FIDELITY SHERMAN OAKS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381

Mortgage

Document Number	0000122795
Date	Mar 21, 2022
Instrument	2022-0122795

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	Other
Max Rate	7.12%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 HERITAGE LN, ENCINITAS, CA 92024-2381

Mortgage

Document Number	0000433264
Date	Jun 11, 2021
Instrument	2021-0433264

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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		$1,448,961 (+2%) Land $784,854 Building $664,107
2025	$18,836.00 (+4.9%) Homeowner's exemption	$1,420,551 (+4.04%) Land $769,465 Building $651,086
2023	$17,957.00 (+4.12%) Homeowner's exemption	$1,365,391 Land $739,587 Building $625,804
2022	$17,247.00

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 · 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	5 in force

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

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	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 569 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

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

Nearby Properties on Heritage Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures