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1540 Surf Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 1540 Surf Rd, Encinitas, CA 92024 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 1992
Square Footage2,442 sqft Living Area
Lot Size21,003 sqft (0.482 acres)
Last Sale$1,835,000 (2025)
Tax Bill$5,942.00 (2025)

Property Details

APN / Parcel Number

Primary APN254-102-70-00
Alternative APN
  • 2541025600

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Building Area2,442 sqft Living Area

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Lot Area21,003 sqft (0.482 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number2541025600
Street Address1540 SURF RD
CityENCINITAS
StateCA
Zip92024-1556
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPAR 1 PAR A OF DOC01-129836 IN ST CLSD&IN BLK 22 OF MAP 524&IN TR PM13529
Legal SubdivisionCITY/ENCINITAS
Legal Tract1013529
Legal Block22
JurisdictionSAN DIEGO CA
Minor Civil DivisionSAN DIEGO
Census Blockgroup2
Census Block2003
Census Tract17701

Owner

Source: San Diego County records · APN 254-102-70-00

Assessment roll updated July 28, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1520 INDEPENDENCE WAY, VISTA, CA 92084-3616
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSole Owner

Deeds, Mortgages & Sale History

DateDocument
May 12, 2026Deed of Trust, Mortgage · Building or Construction Mortgage
BMO HARRIS BANK
May 22, 2025Intrafamily Transfer, Transfer
FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
May 22, 2025Affidavit of Death of Joint Tenant, Transfer
FIRST AMERICAN TITLE, FIRST AMER TITLE SAN DIEGO
May 22, 2025Grant Deed, Transfer · Conventional Mortgage
THE LOAN STORE INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 22, 2025 · Amount on Record
Deed SaleMay 22, 2025 · Amount on Record
Deed Doc Number2025135207
Prior Transfer DateNov 02, 2001
Prior Transfer Doc0000822624
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Recording DateMay 12, 2026
Property Address1540 SURF RD, ENCINITAS, CA 92024-1556
Document Number0000135787
Instrument DateMay 07, 2026
Instrument2026135787
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner, 167
Address1540 SURF RD, ENCINITAS, CA 92024-1556

Mortgage

Document Number0000135787,
DateMay 12, 2026
Instrument2026135787
Lender
NameBMO HARRIS BANK
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

May 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateMay 22, 2025
Property Address1540 SURF RD, ENCINITAS, CA 92024-1556
Document Number0000135206
Map ReferenceMAP 524
Instrument DateMay 15, 2025
Instrument2025-0135206
Transaction TypeTransfer
Record UpdatedOct 09, 2025
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 INDEPENDENCE WAY, VISTA, CA 92084-3616

May 2025: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionSAN DIEGO CA
Recording DateMay 22, 2025
Property Address1540 SURF RD, ENCINITAS, CA 92024-1556
Document Number0000135205
Map ReferenceFILE 84-405573
Instrument DateMay 06, 2025
Instrument2025-0135205
Transaction TypeTransfer
Record UpdatedOct 09, 2025
Title CompanyFIRST AMERICAN TITLE, FIRST AMER TITLE SAN DIEGO

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1540 SURF RD, ENCINITAS, CA 92024-1556

May 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMay 22, 2025
Property Address1540 SURF RD, ENCINITAS, CA 92024-1556
Document Number0000135207
Map ReferenceMAP 524
Instrument DateApr 30, 2025
Instrument2025-0135207
Transaction TypeTransfer
Record UpdatedOct 09, 2025
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 INDEPENDENCE WAY, VISTA, CA 92084-3616

Mortgage

Document Number0000135208
DateMay 22, 2025
Instrument2025-0135208
Lender
NameTHE LOAN STORE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2055

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEncinitas City
Elementary School DistrictEncinitas Union Elementary School District (KG - 06)
Secondary School DistrictSan Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed Value
2026$1,871,700 (+276.35%) Land $1,734,000 Building $137,700
2025$5,942.00 (+4.45%)$497,329 (+4.04%) Land $68,869 Building $428,460
2024$5,689.00 (+3.27%)
2023$5,509.00 (+2.66%) Homeowner's exemption$478,019 Land $66,196 Building $411,823
2022$5,366.00

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