San Diego County property record for 2040 Winsome Way, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,326 sqft · built 1985 |
| Lot Size | 0.102 acres (4,448 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $735,000 (Dec 2019) |
| Tax Bill | $9,274 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 257-440-47-00 |
| Primary APN | 257-440-47-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,326 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 4,448 sqft (0.102 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2040 WINSOME WAY |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-5411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R11 |
| Legal Description | LOT 47 TR 010834 |
| Legal Subdivision | SAN DIEGO #4232 |
| Legal Tract | 010834 |
| Legal Block | 1 |
| Legal Lot Number | 47 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 17104 |
2040 Winsome Way is owned and occupied by two individuals who bought it in December 2019.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2040 WINSOME WAY, ENCINITAS, CA 92024-5411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Dec 12, 2019 | Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 29, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2019 · Amount on File |
| Deed Sale | Dec 12, 2019 · Amount on File |
| Prior Sale | Apr 7, 2016 · Amount on File |
| Deed Document Number | 2019581126 |
| Prior Transfer Date | Aug 13, 2019 |
| Prior Transfer Doc | 0000371427 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2040 WINSOME WAY, ENCINITAS, CA 92024-5411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 2040 WINSOME WAY, ENCINITAS, CA 92024-5411 |
| Document Number | 0000084121 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 2021-0084121 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 12, 2019 |
| Property Address | 2040 WINSOME WAY, ENCINITAS, CA 92024-5411 |
| Document Number | 0000581126 |
| Map Reference | MAP 10834 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 2019-0581126 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2040 WINSOME WAY, ENCINITAS, CA 92024-5411 |
| Document Number | 0000581127 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 2019-0581127 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 29, 2019 |
| Property Address | 2040 WINSOME WAY, ENCINITAS, CA 92024-5411 |
| Document Number | 0000371427 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 371427 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2040 WINSOME WAY ENCINITAS CA 920245411, ENCINITAS, CA 92024-5411 |
The 2025 property tax bill for 2040 Winsome Way was $9,274 with a homeowner's exemption.
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 | $819,901 (+2%) Land $614,926 Building $204,975 | |
| 2025 | $9,274.00 Homeowner's exemption | $803,825 Land $602,869 Building $200,956 |
| 2023 | $8,651.00 (+2.43%) Homeowner's exemption | $772,613 Land $579,460 Building $193,153 |
| 2022 | $8,446.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2040 Winsome Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 | 2 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2019 · rainfall accumulation |
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 2040 Winsome Way 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 503 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Cox Communications, GeoLinks, San Diego Broadband, T-Mobile, Ting, Verizon.
5G (outdoors only) and 4G LTE
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