233 Sierra Rdg Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 233 Sierra Rdg Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,146 sqft · built 1987
Lot Size	0.224 acres (9,762 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,500,000 (May 2022)
Tax Bill	$27,545 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`259-590-19-00`

Property Details

APN / Parcel Number

Primary APN	`259-590-19-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,146 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	9,762 sqft (0.224 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	233 SIERRA RIDGE DR
City	ENCINITAS
State	CA
Zip	92024-4363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 3 TR 011220
Legal Subdivision	ENCINITAS 4407
Legal Tract	011220
Legal Block	1
Legal Lot Number	3
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 28, 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 Record
Mailing Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 23, 2022	Grant Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jun 25, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Jul 10, 1986 · Amount on Record
Deed Document Number	2022218916
Prior Transfer Date	Sep 28, 2013
Prior Transfer Doc	0000603518
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363

Mortgage

Document Number	0000328179
Date	Aug 15, 2022
Instrument	2022-0328179

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 23, 2022
Property Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363
Document Number	0000218916
Map Reference	MAP 11220
Instrument Date	May 9, 2022
Instrument	2022-0218916
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363

Mortgage

Document Number	0000218917
Date	May 23, 2022
Instrument	2022-0218917

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.62%
Index	Other
Max Rate	9.62%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363

Mortgage

Document Number	0000463087
Date	Jun 25, 2021
Instrument	2021-0463087

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTMINSTER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070681
Date	Feb 11, 2020
Instrument	2020-0070681

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTMINSTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 SIERRA RIDGE DR, ENCINITAS, CA 92024-4363

Mortgage

Document Number	0000551933
Date	Sep 18, 2020
Instrument	2020-0551933

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

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

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		$2,503,000 (-) Land $2,002,000 Building $501,000
2025	$27,545.00 (+12.79%) Homeowner's exemption	$2,503,000 (+10.36%) Land $2,002,000 Building $501,000
2023	$24,421.00 (+417.72%) Homeowner's exemption	$2,268,000 Land $1,814,000 Building $454,000
2022	$4,717.00

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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