2826 Crystal Ridge Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 2826 Crystal Ridge Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,622 sqft · built 1993
Lot Size	0.593 acres (25,834 sqft)
Owner	Company Name on Record
Last Sale	$217,000 (Dec 1991)
Tax Bill	$12,352 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`264-154-14-00`

Property Details

APN / Parcel Number

Primary APN	`264-154-14-00`
Alternative APN	`2641524700`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,622 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	25,834 sqft (0.593 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2641524700
Street Address	2826 CRYSTAL RIDGE RD
City	ENCINITAS
State	CA
Zip	92024-6615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	LOT 2 TR 012578
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012578
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
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	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 1991 · Amount on Record
Deed Sale	Dec 20, 1991 · Amount on Record
Prior Sale	Apr 30, 1990 · Amount on Record
Deed Document Number	1991662364
Last Transfer Date	Sep 29, 2010
Transfer Doc	0000534063
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615

Mortgage

Document Number	0000530374
Date	Jul 26, 2021
Instrument	2021-0530374

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 31, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000381251
Date	Sep 4, 2019
Instrument	2019-0381251

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081956
Date	Feb 19, 2020
Instrument	2020-0081956

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615

Mortgage

Document Number	0000649550
Date	Oct 23, 2020
Instrument	2020-0649550

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2826 CRYSTAL RIDGE RD, ENCINITAS, CA 92024-6615
Document Number	0000330916
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2826 CRYSTAL RIDGE RD ENCINITAS CA 920246615, ENCINITAS, CA 92024-6615

Mortgage

Document Number	0000330916
Date	Jun 25, 2020
Instrument	330916

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 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		$955,206 (+2%) Land $332,240 Building $622,966
2025	$12,352.00 (+10.01%) Homeowner's exemption	$936,477 (+4.04%) Land $325,726 Building $610,751
2023	$11,228.00 (+1.72%) Homeowner's exemption	$900,115 Land $313,079 Building $587,036
2022	$11,038.00

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
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 97% of the US · lower than 97.8% 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 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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