2728 Lone Jack Rd, #1, Encinitas, CA 92024 Property Records

San Diego County property record for 2728 Lone Jack Rd, #1, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,303 sqft · built 1990
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on File
Last Sale	$389,000 (Mar 1999)
Tax Bill	$10,568 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`264-173-16-00`

Property Details

APN / Parcel Number

Primary APN	`264-173-16-00`
Alternative APN	`2641715700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	3,303 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	21,780 sqft (0.5 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2641715700
Street Address	2728 LONE JACK RD, 1
City	ENCINITAS
State	CA
Zip	92024-6642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 76 DOC74-11344 IN TR 000326
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000326
Legal Block	76
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17111

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	2728 LONE JACK RD, ENCINITAS, CA 92024-6642
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 15, 2017	Intrafamily Transfer, Transfer · ARM NORTH ISLAND FINANCIAL CU
May 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 18, 1999 · Amount on Record
Deed Sale	Mar 18, 1999 · Amount on Record
Deed Document Number	1999176020
Last Transfer Date	Apr 6, 2017
Transfer Doc	0000217934
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2728 LONE JACK RD # 1, 1, ENCINITAS, CA 92024-6642
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2728 LONE JACK RD, ENCINITAS, CA 92024-6642

Mortgage

Document Number	0000823983
Date	Dec 3, 2021
Instrument	2021-0823983

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2017
Property Address	2728 LONE JACK RD # 1, 1, ENCINITAS, CA 92024-6642
Document Number	0000216384
Map Reference	MAP326
Instrument Date	Apr 6, 2017
Instrument	2017-0216384
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA MEMBERS TITLE INS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2728 LONE JACK RD, ENCINITAS, CA 92024-6642

Mortgage

Document Number	0000216385
Date	May 15, 2017
Instrument	2017-0216385

Lender

Name	NORTH ISLAND FINANCIAL CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	8.37%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 16, 2017
Property Address	2728 LONE JACK RD # 1, 1, ENCINITAS, CA 92024-6642
Document Number	0000217934
Instrument Date	Apr 6, 2017
Instrument	217934
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2728 LONE JACK RD ENCINITAS CA 920246642, ENCINITAS, CA 92024-6642

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		$832,490 (+2%) Land $319,804 Building $512,686
2025	$10,568.00 (+7.77%) Homeowner's exemption	$816,168 (+4.04%) Land $313,534 Building $502,634
2023	$9,806.00 (+1.37%) Homeowner's exemption	$784,477 Land $301,360 Building $483,117
2022	$9,673.00

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 100 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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