2938 Lone Jack Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 2938 Lone Jack Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,268 sqft · built 1989
Lot Size	0.512 acres (22,323 sqft)
Owner	Company Name on Record
Last Sale	$1,150,000 (Aug 2017)
Tax Bill	$15,446 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`264-160-28-00`

Property Details

APN / Parcel Number

Primary APN	`264-160-28-00`
Alternative APN	`2641506600`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,268 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	22,323 sqft (0.512 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	2641506600
Street Address	2938 LONE JACK RD
City	ENCINITAS
State	CA
Zip	92024-7005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	LOT 18 DOC1588REC68 IN ST CLSD ADJ&IN TR 000848
Legal Subdivision	RANCHO LAS ENCINITAS
Legal Tract	000848
Legal Block	2
Legal Lot Number	18
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	2938 LONE JACK RD, ENCINITAS, CA 92024-7005
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Aug 25, 2017	Grant Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2017 · Amount on Record
Deed Sale	Aug 25, 2017 · Amount on Record
Prior Sale	Nov 20, 1987 · Amount on Record
Deed Document Number	2017390901
Prior Transfer Date	Jul 12, 2016
Prior Transfer Doc	0000358868
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2938 LONE JACK RD, ENCINITAS, CA 92024-7005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2938 LONE JACK RD, ENCINITAS, CA 92024-7005

Mortgage

Document Number	0000838809
Date	Dec 28, 2020
Instrument	2020-0838809

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

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

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 25, 2017
Property Address	2938 LONE JACK RD, ENCINITAS, CA 92024-7005
Document Number	0000390901
Instrument Date	Jul 26, 2017
Instrument	390901
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2938 LONE JACK RD ENCINITAS CA 920247005, ENCINITAS, CA 92024-7005

Mortgage

Document Number	390902
Date	Aug 25, 2017
Instrument	390902

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2047

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		$1,334,668 (+2%) Land $928,466 Building $406,202
2025	$15,446.00 (+9.34%) Homeowner's exemption	$1,308,499 (+4.04%) Land $910,261 Building $398,238
2023	$14,126.00 (+1.63%) Homeowner's exemption	$1,257,690 Land $874,915 Building $382,775
2022	$13,900.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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