2351 5th St, Encinitas, CA 92024 Property Records

San Diego County property record for 2351 5th St, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 4,274 sqft · built 1985
Lot Size	0.73 acres (31,799 sqft)
Owner	Company Name on Record
Last Sale	$555,000 (Sep 1998)
Tax Bill	$12,039 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Sep 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`259-221-31-00`

Property Details

APN / Parcel Number

Primary APN	`259-221-31-00`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,274 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2351 5TH ST
City	ENCINITAS
State	CA
Zip	92024-6406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 21 N H STS CLSD ADJ&WLY 104.5 FT OF N H OF TR 000326
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000326
Legal Block	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2018
Census Tract	17111

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	Company Name on Record
Mailing Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jan 12, 2017	Deed of Trust, Mortgage · ARM BANC OF CALIFORNIA NA
May 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 1998 · Amount on Record
Deed Sale	Sep 29, 1998 · Amount on Record
Prior Sale	Mar 29, 1993 · Amount on Record
Deed Document Number	1998622742
Last Transfer Date	Sep 14, 2021
Transfer Doc	0000688183
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2351 5TH ST, ENCINITAS, CA 92024-6406

Mortgage

Document Number	0000050040
Date	Feb 24, 2026
Instrument	2026-0050040

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2351 5TH ST, ENCINITAS, CA 92024-6406

Mortgage

Document Number	0000252724
Date	Sep 18, 2023
Instrument	2023-0252724

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 30, 2021
Property Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Document Number	0000688183
Map Reference	MAP 326
Instrument Date	Sep 14, 2021
Instrument	2021-0688183
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	BOSTON NATIONAL TITLE LLC

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
Relationship	Family Trust
Address	2351 5TH ST, ENCINITAS, CA 92024-6406

Mortgage

Document Number	0000688184
Date	Sep 30, 2021
Instrument	2021-0688184

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017439
Date	Jan 12, 2017
Instrument	2017-0017439

Lender

Name	BANC OF CALIFORNIA NA
Type	Bank
Address	IRVINE, CA 92612

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Margin	3
Max Rate	9.87%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187351
Date	May 17, 2019
Instrument	2019-0187351

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2351 5TH ST, ENCINITAS, CA 92024-6406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2351 5TH ST, ENCINITAS, CA 92024-6406

Mortgage

Document Number	0000042625
Date	Feb 6, 2019
Instrument	2019-0042625

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

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		$1,138,606 (+2%) Land $407,752 Building $730,854
2025	$12,039.00 (+6.11%) Homeowner's exemption	$1,116,281 (+4.04%) Land $399,757 Building $716,524
2023	$11,346.00 (+2.03%) Homeowner's exemption	$1,072,936 Land $384,235 Building $688,701
2022	$11,120.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · 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.

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