San Diego County property record for 1812 Cottage Grove Dr, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,831 sqft · built 1973 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $529,000 (Nov 2012) |
| Tax Bill | $7,735 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 257-140-58-00 |
| Primary APN | 257-140-58-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,831 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 7,100 sqft (0.163 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 1812 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 159 TR 007032 |
| Legal Subdivision | VILLAGE PARK NORTH COUNTRY |
| Legal Tract | 007032 |
| Legal Block | 3 |
| Legal Lot Number | 159 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 17108 |
1812 Cottage Grove Dr is owned and occupied by an individual who acquired it in January 2015.
Source: San Diego County records, as of August 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1812 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 11, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2012 · Amount on File |
| Deed Sale | Nov 13, 2012 · Amount on File |
| Prior Sale | Jul 17, 2012 · Amount on File |
| Deed Document Number | 2012706688 |
| Last Transfer Date | Jan 14, 2015 |
| Transfer Doc | 0000024547 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 11, 2026 |
| Property Address | 1812 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010 |
| Document Number | 0000234381 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 2026234381 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1812 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010 |
| Document Number | 0000234381, |
|---|---|
| Date | Aug 11, 2026 |
| Instrument | 2026234381 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1812 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 1812 COTTAGE GROVE DR, ENCINITAS, CA 92024-3010 |
| Document Number | 0000638347 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 2021-0638347 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 1812 Cottage Grove Dr was $7,735.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $664,443 (+2%) Land $502,419 Building $162,024 | |
| 2025 | $7,735.00 | $651,416 Land $492,568 Building $158,848 |
| 2023 | $7,205.00 (+2.47%) | $626,123 Land $473,442 Building $152,681 |
| 2022 | $7,031.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1812 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.
The area around 1812 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.
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 |
| 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.
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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