1638 Neptune Ave, Encinitas, CA 92024 Property Records

San Diego County property record for 1638 Neptune Ave, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 3,280 sqft · built 1973
Lot Size	0.231 acres (10,070 sqft)
Owner	Company Name on Record
Tax Bill	$4,475 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`254-040-30-00`

Property Details

APN / Parcel Number

Primary APN	`254-040-30-00`
Alternative APN	`2540400700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Building Area	3,280 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Duplex Single
Lot Area	10,070 sqft (0.231 acres)
View / Lot	Ocean

Location & Zoning

Old Parcel Number	2540400700
Street Address	1638 NEPTUNE AVE
City	ENCINITAS
State	CA
Zip	92024-1001
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R11
Legal Description	SEC 5-13-4W LOT 2 SLY 50 OF PAR A PER ROS MAP 1116 IN
Legal Range	04W
Legal Township	13
Legal Section	05
Legal Subdivision	SAN BERNARDINO BASE & MERIDIAN
Legal Block	4
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4004
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	1636 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 17, 2023	Intrafamily Transfer, Transfer
Jan 6, 2023	Intrafamily Transfer, Transfer
Nov 30, 2017	Deed of Trust, Mortgage · ARM BANC OF CALIFORNIA NA
Nov 8, 2022	Intrafamily Transfer, Transfer
Nov 8, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 9, 2023
Transfer Doc	0000012582
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1636-1638 NEPTUNE AVE, 1638, ENCINITAS, CA 92024-1001

Mortgage

Document Number	0000265676
Date	Jun 28, 2022
Instrument	2022-0265676

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2023
Property Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Document Number	0000012582
Instrument Date	Jan 9, 2023
Instrument	2023-0012582
Transaction Type	Transfer
Record Updated	Oct 9, 2025

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	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 6, 2023
Property Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Document Number	0000004724
Instrument Date	Dec 29, 2022
Instrument	2023-0004724
Transaction Type	Transfer
Record Updated	Oct 9, 2025

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	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Transaction Type	Mortgage
Record Updated	Nov 16, 2022
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000556960
Date	Nov 30, 2017
Instrument	2017-0556960

Lender

Name	BANC OF CALIFORNIA NA
Type	Bank
Address	SANTA ANA, CA 92707

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6%
Index	1-Year LIBOR
Margin	3
Max Rate	10%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2022
Property Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Document Number	0000430031
Instrument Date	Nov 2, 2022
Instrument	2022-0430031
Transaction Type	Transfer
Record Updated	Oct 9, 2025

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	Family Living Trust
Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2022
Property Address	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001
Document Number	0000429803
Instrument Date	Nov 1, 2022
Instrument	2022-0429803
Transaction Type	Transfer
Record Updated	Oct 9, 2025

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	1638 NEPTUNE AVE, ENCINITAS, CA 92024-1001

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		$309,070 (+2%) Land $106,017 Building $203,053
2025	$4,475.00 (+10.82%) Homeowner's exemption	$303,011 (+4.04%) Land $103,939 Building $199,072
2023	$4,038.00 (+3.83%) Homeowner's exemption	$291,246 Land $99,903 Building $191,343
2022	$3,889.00

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Not rated no burnable land within 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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