2125 Summerhill Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 2125 Summerhill Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,081 sqft · built 1986
Lot Size	0.86 acres (3,746 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Apr 2016)
Tax Bill	$9,859 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`257-453-60-00`

Property Details

APN / Parcel Number

Primary APN	`257-453-60-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,081 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	3,746 sqft (0.86 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2125 SUMMERHILL DR
City	ENCINITAS
State	CA
Zip	92024-5442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R11
Legal Description	LOT 228 TR 011041
Legal Subdivision	SAN DIEGO #4421
Legal Tract	011041
Legal Block	1
Legal Lot Number	228
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1007
Census Tract	17107

Owner

Source: San Diego County assessment roll, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2125 SUMMERHILL DR, ENCINITAS, CA 92024-5442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO FUNDING
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MCJAB INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2016 · Amount on Record
Deed Sale	Apr 14, 2016 · Amount on Record
Prior Sale	Sep 24, 2012 · Amount on Record
Deed Document Number	2016171541
Prior Transfer Date	Apr 7, 2016
Prior Transfer Doc	0000174669
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2125 SUMMERHILL DR, ENCINITAS, CA 92024-5442
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000311051
Date	Jul 30, 2019
Instrument	2019-0311051

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2125 SUMMERHILL DR, ENCINITAS, CA 92024-5442
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GUARDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 SUMMERHILL DR, ENCINITAS, CA 92024-5442

Mortgage

Document Number	0000832140
Date	Dec 23, 2020
Instrument	2020-0832140

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2125 SUMMERHILL DR, ENCINITAS, CA 92024-5442
Document Number	0000180536
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2125 SUMMERHILL DR ENCINITAS CA 920245442, ENCINITAS, CA 92024-5442

Mortgage

Document Number	0000180536
Date	Apr 9, 2020
Instrument	180536

Lender

Name	MCJAB INC
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$875,410 (+2%) Land $652,032 Building $223,378
2025	$9,859.00 (+7.13%) Homeowner's exemption	$858,247 (+4.04%) Land $639,248 Building $218,999
2023	$9,203.00 (+2.4%) Homeowner's exemption	$824,922 Land $614,426 Building $210,496
2022	$8,987.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Ting Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet, T-Mobile USA.

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