226 Rancho Santa Fe Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 226 Rancho Santa Fe Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,185 sqft · built 1974
Lot Size	0.401 acres (17,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$893,500 (Jul 2016)
Tax Bill	$12,296 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`259-231-40-00`

Property Details

APN / Parcel Number

Primary APN	`259-231-40-00`
Alternative APN	`2592307900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,185 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	17,463 sqft (0.401 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	2592307900
Street Address	226 RANCHO SANTA FE RD
City	ENCINITAS
State	CA
Zip	92024-6421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	PAR 3 TR PM01349
Legal Subdivision	CLAIREMONT PARK
Legal Tract	1349
Legal Block	1
Legal Lot Number	251
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1008
Census Tract	17104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 20, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Mar 24, 2017	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2016 · Amount on Record
Deed Sale	Jul 26, 2016 · Amount on Record
Prior Sale	Mar 28, 2002 · Amount on Record
Deed Document Number	2016374968
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421

Mortgage

Document Number	0000861150
Date	Dec 22, 2021
Instrument	2021-0861150

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065091
Date	Feb 20, 2018
Instrument	2018-0065091

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134277
Date	Mar 24, 2017
Instrument	2017-0134277

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 31, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073739
Date	Feb 13, 2020
Instrument	2020-0073739

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	226 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6421
Document Number	0000060246
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Feb 10, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	226 RANCHO SANTA FE RD ENCINITAS CA 920246421, ENCINITAS, CA 92024-6421

Mortgage

Document Number	0000060246
Date	Feb 6, 2017
Instrument	60246

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 5, 2032

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		$1,165,809 (+2%) Land $887,845 Building $277,964
2025	$12,296.00 (+6.13%) Homeowner's exemption	$1,142,951 (+4.04%) Land $870,437 Building $272,514
2023	$11,586.00 (+2.03%) Homeowner's exemption	$1,098,571 Land $836,638 Building $261,933
2022	$11,355.00

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Spectrum Cable	1,000 / 50
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Race Communications.

Nearby Properties on Rancho Santa Fe Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures