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157 Cerro St, Encinitas, CA 92024 Property Records

San Diego County property record for 157 Cerro St, Encinitas, CA 92024 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1974
Square Footage1,322 sqft Living Area
Lot Size8,400 sqft (0.193 acres)
OccupancyOwner Occupied
Last Sale$600,000 (2007)
Tax Bill$6,588.00 (2025)

Property Details

APN / Parcel Number

Primary APN259-330-17-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,322 sqft Living Area
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleConventional Style
Exterior MaterialStucco Exterior
Roof MaterialTile Roof
Lot Area8,400 sqft (0.193 acres)
Depth X Width140 ft x 60 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeCarport Garage
CarportCarport

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address157 CERRO ST
CityENCINITAS
StateCA
Zip92024-4821
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 17 TR 007013
Legal SubdivisionEMERALD CLASSIC
Legal Tract007013
Legal Block1
Legal Lot Number17
JurisdictionSAN DIEGO CA
Minor Civil DivisionSAN DIEGO
Census Blockgroup1
Census Block1006
Census Tract17403

Owner

Source: San Diego County records · APN 259-330-17-00

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address157 CERRO ST, ENCINITAS, CA 92024-4821
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
SAN DIEGO COUNTY CU
Sep 18, 2023Deed of Trust, Mortgage · Stand Alone Second Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 15, 2017Deed of Trust, Mortgage · Line of Credit
SAN DIEGO COUNTY CU
Mar 03, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
FINLEY PROPERTIES CORP
Dec 18, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
FINLEY PROPERTIES CORP FINLEY PROPERTIES CORP
Apr 07, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
FINLEY PROPERTIES CORP FINLEY PROPERTIES CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 24, 2007 · Amount on Record
Deed SaleAug 24, 2007 · Amount on Record
Deed Doc Number2007563508
Prior Transfer DateNov 13, 2003
Prior Transfer Doc0001379885
Record RefreshedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address157 CERRO ST, ENCINITAS, CA 92024-4821
Transaction TypeMortgage
Record UpdatedJun 08, 2026
Title CompanyFIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

NameVerified Name
Address157 CERRO ST, ENCINITAS, CA 92024-4821

Mortgage

Document Number0000302995
DateApr 20, 2021
Instrument2021-0302995
Lender
NameSAN DIEGO COUNTY CU
TypeCredit Union
AddressSAN DIEGO, CA 92196
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term409 Months
DueApr 30, 2055

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address157 CERRO ST, ENCINITAS, CA 92024-4821
Transaction TypeMortgage
Record UpdatedJun 08, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address157 CERRO ST, ENCINITAS, CA 92024-4821

Mortgage

Document Number0000252248
DateSep 18, 2023
Instrument2023-0252248
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueOct 01, 2043

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address157 CERRO ST, ENCINITAS, CA 92024-4821
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000369804
DateAug 15, 2017
Instrument2017-0369804
Lender
NameSAN DIEGO COUNTY CU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Term241 Months
DueSep 08, 2037
Interest
Rate TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).
IndexPrime Rate
Max Rate17.7%

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address157 CERRO ST, ENCINITAS, CA 92024-4821
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000108600
DateMar 03, 2020
Instrument2020-0108600
Lender
NameFINLEY PROPERTIES CORP
TypeMortgage Company
AddressSAN DIEGO, CA 92122
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address157 CERRO ST, ENCINITAS, CA 92024-4821
Document Number0000848237
Instrument DateDec 18, 2020
Transaction TypeMortgage
Record UpdatedJan 11, 2021
Title CompanyWFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address157 CERRO ST ENCINITAS CA 920244821, ENCINITAS, CA 92024-4821

Mortgage

Document Number0000848237
DateDec 31, 2020
Instrument848237
Lender
NameFINLEY PROPERTIES CORP FINLEY PROPERTIES CORP
TypeBank
AddressSAN DIEGO, CA 92122
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 30, 2050

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address157 CERRO ST, ENCINITAS, CA 92024-4821
Document Number0000164689
Instrument DateApr 07, 2017
Transaction TypeMortgage
Record UpdatedAug 18, 2018
Title CompanyWFG TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address157 CERRO ST ENCINITAS CA 920244821, ENCINITAS, CA 92024-4821

Mortgage

Document Number0000164689
DateApr 12, 2017
Instrument164689
Lender
NameFINLEY PROPERTIES CORP FINLEY PROPERTIES CORP
TypeFunding / Finance Company
AddressSAN DIEGO, CA 92122
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueApr 11, 2047

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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 is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$565,125 (+2%) Land $426,085 Building $139,040
2025$6,588.00 (+7.66%) Homeowner's exemption$554,045 (+4.04%) Land $417,731 Building $136,314
2023$6,119.00 (+2.6%) Homeowner's exemption$532,533 Land $401,511 Building $131,022
2022$5,964.00

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