187 Neptune Ave, Encinitas, CA 92024 Property Records

San Diego County property record for 187 Neptune Ave, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,232 sqft · built 1954
Lot Size	0.156 acres (6,811 sqft)
Owner	Company Name on Record
Tax Bill	$12,993 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`256-372-01-00`

Property Details

APN / Parcel Number

Primary APN	`256-372-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,811 sqft (0.156 acres)
Lot Dimensions	90 ft deep x 80 ft wide
View / Lot	Ocean
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	187 NEPTUNE AVE
City	ENCINITAS
State	CA
Zip	92024-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS11
Legal Description	BLK H POR TR 001800
Legal Subdivision	SEASIDE GARDEN HEIGHTS
Legal Tract	001800
Legal Block	H
Legal Lot Number	1,2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3009
Census Tract	17702

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	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit SECURED INCOME FUND II LLC
Sep 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage SECURED INCOME FUND II LLC
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Aug 8, 2017	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2002
Deed Sale	Apr 18, 2002
Prior Sale	Jul 28, 1995 · Amount on Record
Deed Document Number	2002328937
Last Transfer Date	Mar 31, 2006
Transfer Doc	0000448352
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241

Mortgage

Document Number	0000265468
Date	Sep 24, 2025
Instrument	2025-0265468

Lender

Name	SECURED INCOME FUND II LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241
Transaction Type	Mortgage
Record Updated	Oct 5, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241

Mortgage

Document Number	0000262286
Date	Sep 27, 2023
Instrument	2023-0262286

Lender

Name	SECURED INCOME FUND II LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241
Transaction Type	Mortgage
Record Updated	Jan 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241

Mortgage

Document Number	0000480720
Date	Dec 28, 2022
Instrument	2022-0480720

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000358620
Date	Aug 8, 2017
Instrument	2017-0358620

Lender

Name	BANNER BANK
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 NEPTUNE AVE, ENCINITAS, CA 92024-3241

Mortgage

Document Number	0000150122
Date	Apr 6, 2022
Instrument	2022-0150122

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

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		$1,167,575 (+2%) Land $828,752 Building $338,823
2025	$12,993.00 (+15.67%) Homeowner's exemption	$1,144,682 (+12.75%) Land $812,502 Building $332,180
2023	$11,233.00 (+2.32%) Homeowner's exemption	$1,015,234 Land $780,952 Building $234,282
2022	$10,978.00

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	3 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Ting.

Cell Coverage

5G (outdoors only) and 4G LTE

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