2046 Winsome Way, Encinitas, CA 92024 Property Records

San Diego County property record for 2046 Winsome Way, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,169 sqft · built 1985
Lot Size	0.75 acres (3,248 sqft)
Owner	Trust Name on File
Last Sale	$600,000 (Mar 2019)
Tax Bill	$7,827 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`257-440-40-00`

Property Details

APN / Parcel Number

Primary APN	`257-440-40-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,169 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	3,248 sqft (0.75 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2046 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 40 TR 010834
Legal Subdivision	SAN DIEGO 4232
Legal Tract	010834
Legal Block	1
Legal Lot Number	40
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1010
Census Tract	17104

Owner

2046 Winsome Way is owner-occupied and held in a trust since March 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Trust Name on File
Mailing Address	PO BOX 70, SOLANA BEACH, CA 92075-0070
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Sep 16, 2020	Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 6, 2019	Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 4, 2019	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2019 · Amount on File
Deed Sale	Mar 4, 2019 · Amount on File
Prior Sale	Feb 21, 2001 · Amount on File
Deed Document Number	201977387
Prior Transfer Date	Apr 17, 2013
Prior Transfer Doc	0000264980
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2046 WINSOME WAY, ENCINITAS, CA 92024-5411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 70, SOLANA BEACH, CA 92075-0070

Mortgage

Document Number	0000545340
Date	Sep 16, 2020
Instrument	2020-0545340

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2046 WINSOME WAY, ENCINITAS, CA 92024-5411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000569071
Date	Dec 6, 2019
Instrument	2019-0569071

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 4, 2019
Property Address	2046 WINSOME WAY, ENCINITAS, CA 92024-5411
Document Number	0000077387
Map Reference	MAP 10834
Instrument Date	Jan 9, 2019
Instrument	2019-0077387
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount 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	Revocable Living Trust
Address	PO BOX 70, SOLANA BEACH, CA 92075-0070

Mortgage

Document Number	0000077388
Date	Mar 4, 2019
Instrument	2019-0077388

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2046 Winsome Way was $7,827 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		$682,692 (+2%) Land $386,431 Building $296,261
2025	$7,827.00 Homeowner's exemption	$669,306 Land $378,854 Building $290,452
2023	$7,288.00 (+2.52%) Homeowner's exemption	$643,318 Land $364,144 Building $279,174
2022	$7,109.00

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

Flood

FEMA maps place 2046 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.

Wildfire

The area around 2046 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Winsome Way

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