1804 Cottage Grove Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 1804 Cottage Grove Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,648 sqft · built 1973
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (May 2021)
Tax Bill	$14,623 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-140-56-00`

Property Details

APN / Parcel Number

Primary APN	`257-140-56-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,500 sqft (0.149 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1804 COTTAGE GROVE DR
City	ENCINITAS
State	CA
Zip	92024-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 157 TR 007032
Legal Subdivision	VILLAGE PARK NORTH COUNTRY
Legal Tract	007032
Legal Block	3
Legal Lot Number	157
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3010
Census Tract	17108

Owner

1804 Cottage Grove Dr is owned and occupied by two individuals who bought it in May 2021.

Source: San Diego County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1804 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
May 26, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2020	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on File
Deed Sale	May 26, 2021 · Amount on File
Prior Sale	Apr 25, 2008 · Amount on File
Deed Document Number	2021398577
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1804 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010
Transaction Type	Mortgage
Record Updated	Feb 6, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010

Mortgage

Document Number	0000022565
Date	Jan 27, 2023
Instrument	2023-0022565

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 26, 2021
Property Address	1804 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010
Document Number	0000398577
Map Reference	MAP 7032
Instrument Date	Apr 29, 2021
Instrument	2021-0398577
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1173 SANTA LUISA DR, SOLANA BEACH, CA 92075-1614

Mortgage

Document Number	0000398578
Date	May 26, 2021
Instrument	2021-0398578

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1804 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162376
Date	Mar 30, 2020
Instrument	2020-0162376

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 31, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1804 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162375
Date	Mar 30, 2020
Instrument	2020-0162375

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Cottage Grove Dr was $14,623 with a homeowner's exemption.

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		$1,324,895 (+2%) Land $1,159,284 Building $165,611
2025	$14,623.00 Homeowner's exemption	$1,298,917 Land $1,136,553 Building $162,364
2023	$13,695.00 (+1.72%) Homeowner's exemption	$1,248,480 Land $1,092,420 Building $156,060
2022	$13,464.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1804 Cottage Grove Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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

The area around 1804 Cottage Grove Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 715 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cox Communications, GeoLinks, Ting, Verizon.

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