2210 Whisper Wind Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 2210 Whisper Wind Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,396 sqft · built 1975
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$1,250,000 (Oct 2017)
Tax Bill	$15,410 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`265-331-57-00`

Property Details

APN / Parcel Number

Primary APN	`265-331-57-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,396 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	24,829 sqft (0.57 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2210 WHISPER WIND LN
City	ENCINITAS
State	CA
Zip	92024-6555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 94 (EX DOC68-54918)DOC74-196624 IN TR 000326
Legal Subdivision	RANCHO LAS ENCINITAS
Legal Tract	000326
Legal Block	94
Legal Lot Number	24,27
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	17104

Owner

Source: San Diego County records, 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	Individual Name on Record
Mailing Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Grant Deed, Transfer · Conventional Mortgage WELLSFARGOBANKNA
Oct 1, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 1, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 30, 2017	Grant Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2017 · Amount on Record
Deed Sale	Oct 30, 2017 · Amount on Record
Prior Sale	Apr 9, 2013 · Amount on Record
Deed Document Number	2017505092
Last Transfer Date	Jul 23, 2025
Transfer Doc	0000272693
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 18, 2026
Property Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555
Document Number	0000175288
Instrument Date	May 1, 2026
Instrument	2026175288
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555

Mortgage

Document Number	0000175289,
Date	Jun 18, 2026
Instrument	2026175289

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2025
Property Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555
Document Number	0000272694
Map Reference	MAP 848
Instrument Date	Jul 22, 2025
Instrument	2025-0272694
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555

Mortgage

Document Number	0000272695
Date	Oct 1, 2025
Instrument	2025-0272695

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2055

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2025
Property Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555
Document Number	0000272693
Map Reference	MAP 326
Instrument Date	Jul 22, 2025
Instrument	2025-0272693
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2017
Property Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555
Document Number	0000505092
Map Reference	MAP326
Instrument Date	Oct 3, 2017
Instrument	2017-0505092
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	Joint Tenants
Address	2210 WHISPER WIND LN, ENCINITAS, CA 92024-6555

Mortgage

Document Number	0000505093
Date	Oct 30, 2017
Instrument	2017-0505093

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	9.95%

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		$1,450,726 (+2%) Land $1,044,524 Building $406,202
2025	$15,410.00 (+6.09%)	$1,422,282 (+4.04%) Land $1,024,044 Building $398,238
2023	$14,526.00 (+2.02%)	$1,367,055 Land $984,280 Building $382,775
2022	$14,239.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, San Diego Broadband, Spectrum, T-Mobile, Ting.

Cell Coverage

5G (outdoors only) and 4G LTE

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