280 Cottage Grove Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 280 Cottage Grove Ln, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,394 sqft · built 1972
Lot Size	3.99 acres (173,864 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Jan 2018)
Tax Bill	$8,299 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-110-27-25`

Property Details

APN / Parcel Number

Primary APN	`257-110-27-25`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,394 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Mediterranean
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	173,864 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	280 COTTAGE GROVE LN
City	ENCINITAS
State	CA
Zip	92024-3012
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R11
Legal Description	LOT 55 US 53 PER DOC71-85677&136964&UND INT IN POR TR 006755
Legal Subdivision	VILLAGE PARK NORTH COUNTRY
Legal Tract	006755
Legal Block	3
Legal Lot Number	55
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3009
Census Tract	17108

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	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Jun 1, 2020	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jan 8, 2018	Grant Deed, Transfer · Conventional Mortgage MISSION FCU
Aug 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Prior Sale	Mar 5, 2012 · Amount on Record
Deed Document Number	20188139
Prior Transfer Date	Sep 1, 2016
Prior Transfer Doc	0000384306
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012

Mortgage

Document Number	0000485809
Date	Jul 6, 2021
Instrument	2021-0485809

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2026
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.87%
Index	5-Year CMT
Max Rate	7.87%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000276736
Date	Jun 1, 2020
Instrument	2020-0276736

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 8, 2018
Property Address	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Document Number	0000008139
Map Reference	MAP 6755
Instrument Date	Dec 14, 2017
Instrument	2018-0008139
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	EQUITY TITLE 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	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012

Mortgage

Document Number	0000008140
Date	Jan 8, 2018
Instrument	2018-0008140

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 23, 2017
Property Address	280 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Document Number	0000384306
Instrument Date	Sep 1, 2016
Instrument	384306
Transaction Type	Transfer
Record Updated	Aug 29, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	280 COTTAGE GROVE LN ENCINITAS CA 920243012, ENCINITAS, CA 92024-3012

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		$719,558 (+2%) Land $620,910 Building $98,648
2025	$8,299.00 (+8.3%)	$705,450 (+4.04%) Land $608,736 Building $96,714
2023	$7,663.00 (+2.47%) Homeowner's exemption	$678,058 Land $585,099 Building $92,959
2022	$7,478.00

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	1 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	Not rated no burnable land within 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 715 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cox Communications, GeoLinks, Ting, Verizon.

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