San Diego County property record for 245 Neptune Ave, Encinitas, CA 92024 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,794 sqft · built 1946 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $2,500,000 (Oct 2023) |
| Tax Bill | $28,492 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 256-351-26-00 |
| Primary APN | 256-351-26-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,794 sqft Living Area |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Lot Area | 7,492 sqft (0.172 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport |
| Carport | Carport |
| Street Address | 245 NEPTUNE AVE |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLK G LOTS 33 & 34 TR 001800 |
| Legal Subdivision | SEASIDE GARDEN HEIGHTS |
| Legal Tract | 001800 |
| Legal Block | G |
| Legal Lot Number | 33,34 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 17702 |
Source: San Diego County records · APN 256-351-26-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 245 NEPTUNE AVE, ENCINITAS, CA 92024-2519 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 20, 2023 | Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 20, 2023 · Amount on Record |
| Deed Sale | Oct 20, 2023 · Amount on Record |
| Deed Document Number | 2023288629 |
| Prior Transfer Date | Nov 16, 2015 |
| Prior Transfer Doc | 0000627328 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 245 NEPTUNE AVE, ENCINITAS, CA 92024-2519 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | RADIAN TITLE INSURANCE INC |
| Name | Verified Name |
|---|---|
| Address | 245 NEPTUNE AVE, ENCINITAS, CA 92024-2519 |
| Document Number | 0000318220 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025-0318220 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Dec 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.7% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 20, 2023 |
| Property Address | 245 NEPTUNE AVE, ENCINITAS, CA 92024-2519 |
| Document Number | 0000288629 |
| Map Reference | MAP 1800 |
| Instrument Date | Oct 09, 2023 |
| Instrument | 2023-0288629 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2023 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 245 NEPTUNE AVE, ENCINITAS, CA 92024-2519 |
| Document Number | 0000288630 |
|---|---|
| Date | Oct 20, 2023 |
| Instrument | 2023-0288630 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.99% |
| Type Change Date | Nov 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.9% |
| Max Rate | 11.9% |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,601,000 (+2%) Land $2,548,980 Building $52,020 | |
| 2025 | $28,492.00 (+1,468.94%) | $2,550,000 (+2,689.05%) Land $2,499,000 Building $51,000 |
| 2023 | $1,816.00 (-4.82%) | $91,429 Land $54,154 Building $37,275 |
| 2022 | $1,908.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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