2317 Summerhill Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 2317 Summerhill Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,986 sqft · built 1986
Lot Size	0.81 acres (3,537 sqft)
Owner	Company Name on Record
Last Sale	$850,000 (May 2018)
Tax Bill	$11,029 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-453-07-00`

Property Details

APN / Parcel Number

Primary APN	`257-453-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,986 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Roof Material	Tile
Lot Area	3,537 sqft (0.81 acres)
View / Lot	Good
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

Street Address	2317 SUMMERHILL DR
City	ENCINITAS
State	CA
Zip	92024-5446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R11
Legal Description	LOT 79 TR 011041
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	011041
Legal Block	1
Legal Lot Number	79
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1007
Census Tract	17107

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	Company Name on Record
Mailing Address	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Jun 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 31, 2018	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	Jul 31, 1985 · Amount on Record
Deed Document Number	2018219400
Last Transfer Date	May 24, 2019
Transfer Doc	0000212236
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150437
Date	Apr 24, 2019
Instrument	2019-0150437

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446

Mortgage

Document Number	0000568727
Date	Sep 25, 2020
Instrument	2020-0568727

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2019
Property Address	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446
Document Number	0000212236
Instrument Date	May 24, 2019
Instrument	212236
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2317 SUMMERHILL DR ENCINITAS CA 920245446, ENCINITAS, CA 92024-5446

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 31, 2018
Property Address	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446
Document Number	0000219400
Map Reference	MAP 11041
Instrument Date	Apr 18, 2018
Instrument	2018-0219400
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	2317 SUMMERHILL DR, ENCINITAS, CA 92024-5446

Mortgage

Document Number	0000219401
Date	May 31, 2018
Instrument	2018-0219401

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2021
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

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		$986,375 (+2%) Land $638,320 Building $348,055
2025	$11,029.00 (+7.02%) Homeowner's exemption	$967,035 (+4.04%) Land $625,804 Building $341,231
2023	$10,306.00 (+2.36%) Homeowner's exemption	$929,486 Land $601,504 Building $327,982
2022	$10,068.00

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 98% of the US · lower than 98.4% 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 788 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Ting, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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