1523 Rancho Encinitas Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1523 Rancho Encinitas Dr, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 3,671 sqft · built 1987
Lot Size	1.01 acres (44,431 sqft)
Owner	Company Name on Record
Last Sale	$935,000 (Jun 1999)
Tax Bill	$16,500 (2025)
Deeds & Mortgages	Nov 2021 Transfer Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`264-162-27-00`

Property Details

APN / Parcel Number

Primary APN	`264-162-27-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,671 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Tudor
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	44,431 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1523 RANCHO ENCINITAS DR
City	ENCINITAS
State	CA
Zip	92024-7034
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RR
Legal Description	LOT 45 TR 009051
Legal Subdivision	SAN DIEGO 3494-1
Legal Tract	009051
Legal Block	2
Legal Lot Number	45
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	17111

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	1523 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7034
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Intrafamily Transfer, Transfer
Jun 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 1999 · Amount on Record
Deed Sale	Jun 30, 1999 · Amount on Record
Prior Sale	Jun 27, 1997 · Amount on Record
Deed Document Number	1999457743
Last Transfer Date	Nov 9, 2021
Transfer Doc	0000794178
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 17, 2021
Property Address	1523 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7034
Document Number	0000794178
Map Reference	MAP 9051
Instrument Date	Nov 9, 2021
Instrument	2021-0794178
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	Revocable Trust
Address	1523 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7034

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2021
Property Address	1523 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7034
Document Number	0000452983
Map Reference	MAP 9051
Instrument Date	Jun 11, 2021
Instrument	2021-0452983
Transaction Type	Transfer
Record Updated	Jul 1, 2021
Title Company	WESTERN RESOURCES TITLE

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
Address	1523 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7034

Mortgage

Document Number	0000452984
Date	Jun 22, 2021
Instrument	2021-0452984

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1523 RANCHO ENCINITAS DR, ENCINITAS, CA 92024-7034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016249
Date	Jan 13, 2020
Instrument	2020-0016249

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2045

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		$1,495,115 (+2%) Land $535,678 Building $959,437
2025	$16,500.00 (+4.43%) Homeowner's exemption	$1,465,800 (+4.04%) Land $525,175 Building $940,625
2024	$15,800.00 (+3.27%)
2023	$15,299.00 (+2.07%) Homeowner's exemption	$1,408,883 Land $504,783 Building $904,100
2022	$14,988.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · rainfall accumulation

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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	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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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