1560 Lorraine Dr, #62, Encinitas, CA 92024 Property Records

San Diego County property record for 1560 Lorraine Dr, #62, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	6 bd · 6 ba · 3,856 sqft · built 1977
Lot Size	0.174 acres (7,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,370,000 (Sep 2018)
Tax Bill	$29,652 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`254-030-16-00`

Property Details

APN / Parcel Number

Primary APN	`254-030-16-00`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Units	2 Units
Stories	2 Stories
Building Area	3,856 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Duplex Single
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Tile
Lot Area	7,572 sqft (0.174 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1560 LORRAINE DR, 62
City	ENCINITAS
State	CA
Zip	92024-1457
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R11
Legal Description	BLK F LOT 6 S 75 FT OF N 150 FT TR 002078
Legal Subdivision	SOUTH COAST PARK
Legal Tract	002078
Legal Block	F
Legal Lot Number	6
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	2 Individual Names on Record
Mailing Address	1562 LORRAINE DR, ENCINITAS, CA 92024-1457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Sep 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITY NATIONAL BANK
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Feb 4, 2020	Deed of Trust, Mortgage SYNERGY ONE LNDG
Sep 21, 2018	Grant Deed, Transfer TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Mar 15, 1985 · Amount on Record
Deed Document Number	2018394716
Prior Transfer Date	Aug 21, 2003
Prior Transfer Doc	0001100961
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1560 LORRAINE DR # 62, 62, ENCINITAS, CA 92024-1457
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIDELITY-SHERMAN OAKS, FIDELITY SHERMAN OAKS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1562 LORRAINE DR, ENCINITAS, CA 92024-1457
Investor	Possibly a Property Investor

Mortgage

Document Number	0000289998
Date	Oct 23, 2023
Instrument	2023-0289998

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1560 LORRAINE DR # 62, 62, ENCINITAS, CA 92024-1457
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	FIDELITY-SHERMAN OAKS, FIDELITY SHERMAN OAKS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1560 LORRAINE DR, ENCINITAS, CA 92024-1457

Mortgage

Document Number	0000650957
Date	Sep 15, 2021
Instrument	2021-0650957

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.66%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.66%
Index	1-Year CMT
Max Rate	7.66%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1560 LORRAINE DR # 62, 62, ENCINITAS, CA 92024-1457
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1562 LORRAINE DR, ENCINITAS, CA 92024-1457

Mortgage

Document Number	0000628281
Date	Sep 3, 2021
Instrument	2021-0628281

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 26, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1560 LORRAINE DR # 62, 62, ENCINITAS, CA 92024-1457
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	FIDELITY-SHERMAN OAKS, FIDELITY SHERMAN OAKS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1560 LORRAINE DR, ENCINITAS, CA 92024-1457

Mortgage

Document Number	0000405602
Date	May 28, 2021
Instrument	2021-0405602

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

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

Interest

Rate Type	Adjustable Rate
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.93%
Index	1-Year CMT
Max Rate	7.93%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1560 LORRAINE DR # 62, 62, ENCINITAS, CA 92024-1457
Document Number	0000072399
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1562 LORRAINE DR ENCINITAS CA 920241457, ENCINITAS, CA 92024-1457

Mortgage

Document Number	0000072399
Date	Feb 12, 2020
Instrument	72399

Lender

Name	SYNERGY ONE LNDG
Address	3134 CAMINO DEL RIO N, SAN DIEGO, CA 92108

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2018
Property Address	1560 LORRAINE DR # 62, 62, ENCINITAS, CA 92024-1457
Document Number	0000394716
Instrument Date	Jun 19, 2018
Instrument	394716
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,607.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1560 LORRAINE DR ENCINITAS CA 920241457, ENCINITAS, CA 92024-1457

Mortgage

Document Number	394717
Date	Sep 21, 2018
Instrument	394717

Lender

Name	TIAA FSB
Address	301 W BAY ST, JACKSONVILLE, FL 32202-5184

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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		$2,696,650 (+2%) Land $2,389,439 Building $307,211
2025	$29,652.00 (+6.78%) Homeowner's exemption	$2,643,776 (+4.04%) Land $2,342,588 Building $301,188
2023	$27,770.00 (+2.27%) Homeowner's exemption	$2,541,117 Land $2,251,623 Building $289,494
2022	$27,153.00

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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