1497 Neptune Ave, #99, Encinitas, CA 92024 Property Records

San Diego County property record for 1497 Neptune Ave, #99, Encinitas, CA 92024

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 5.5 ba · 3,812 sqft · built 2016
Lot Size	0.22 acres (9,567 sqft)
Owner	Company Name on Record
Last Sale	$1,325,000 (Aug 2011)
Tax Bill	$30,581 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`254-030-31-00`

Property Details

APN / Parcel Number

Primary APN	`254-030-31-00`
Alternative APN	`2540301100`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Building Area	3,812 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Multi-Family
Lot Area	9,567 sqft (0.22 acres)

Location & Zoning

Old Parcel Number	2540301100
Street Address	1497 NEPTUNE AVE, 99
City	ENCINITAS
State	CA
Zip	92024-1434
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R11
Legal Description	BLK F LOT 17 DOC125379REC62 IN NWQ OF SEC 4-13-4W&IN ALL OF TR 002078
Legal Range	04W
Legal Township	13
Legal Section	04
Legal Subdivision	SOUTH COAST PARK
Legal Tract	002078
Legal Block	F
Legal Lot Number	17
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	5
Census Block	5001
Census Tract	17701

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	1497 NEPTUNE AVE, ENCINITAS, CA 92024-1434
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Feb 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2011 · Amount on Record
Deed Sale	Aug 12, 2011 · Amount on Record
Deed Document Number	2011415510
Last Transfer Date	Dec 14, 2018
Transfer Doc	0000046299
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1497 NEPTUNE AVE # 99, 99, ENCINITAS, CA 92024-1434
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1497 NEPTUNE AVE, ENCINITAS, CA 92024-1434

Mortgage

Document Number	0000402561
Date	May 28, 2021
Instrument	2021-0402561

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	Other
Max Rate	9.12%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2019
Property Address	1497 NEPTUNE AVE # 99, 99, ENCINITAS, CA 92024-1434
Document Number	0000046299
Instrument Date	Dec 14, 2018
Instrument	46299
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1497 NEPTUNE AVE ENCINITAS CA 920241434, ENCINITAS, CA 92024-1434

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		$2,805,682 (+2%) Land $1,636,977 Building $1,168,705
2025	$30,581.00 (+6.58%)	$2,750,670 (+4.04%) Land $1,604,880 Building $1,145,790
2023	$28,692.00 (+2.2%)	$2,643,860 Land $1,542,561 Building $1,101,299
2022	$28,075.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · Severe Storm And Flooding

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	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 680 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Ting, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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