284 Cottage Grove Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 284 Cottage Grove Ln, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,192 sqft · built 1972
Lot Size	3.99 acres (173,864 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (May 2011)
Tax Bill	$5,184 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-110-27-27`

Property Details

APN / Parcel Number

Primary APN	`257-110-27-27`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,192 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	173,864 sqft
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	284 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 55 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 October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit F & A FCU
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage F&A FEDERAL CREDIT UNION
Jan 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2011 · Amount on Record
Deed Sale	May 4, 2011 · Amount on Record
Prior Sale	May 6, 1987 · Amount on Record
Deed Document Number	2011231227
Last Transfer Date	Mar 25, 2015
Transfer Doc	0000152139
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012

Mortgage

Document Number	0000158795
Date	Apr 12, 2022
Instrument	2022-0158795

Lender

Name	F & A FCU
Type	Credit Union
Address	MONTEREY PARK, CA 91754

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012

Mortgage

Document Number	0000089953
Date	Feb 5, 2021
Instrument	2021-0089953

Lender

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

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE PINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028939
Date	Jan 21, 2020
Instrument	2020-0028939

Lender

Name	F&A FEDERAL CREDIT UNION
Type	Non-Lending Institution
Address	MONTEREY PARK, CA 91754

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jan 14, 2027

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	284 COTTAGE GROVE LN, ENCINITAS, CA 92024-3012
Document Number	0000048588
Instrument Date	Jan 27, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	284 COTTAGE GROVE LN ENCINITAS CA 920243012, ENCINITAS, CA 92024-3012

Mortgage

Document Number	0000048588
Date	Feb 7, 2018
Instrument	48588

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2048

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		$431,229 (+2%) Land $124,432 Building $306,797
2025	$5,184.00 (+8.05%) Homeowner's exemption	$422,775 (+4.04%) Land $121,993 Building $300,782
2023	$4,798.00 (+2.76%) Homeowner's exemption	$406,359 Land $117,256 Building $289,103
2022	$4,669.00

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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