303 Sprucewood Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 303 Sprucewood Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1974
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Sep 2026)
Tax Bill	$4,475 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`259-452-03-00`

Property Details

APN / Parcel Number

Primary APN	`259-452-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,421 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	303 SPRUCEWOOD DR
City	ENCINITAS
State	CA
Zip	92024-4132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LOT 153 TR 007705
Legal Subdivision	SUMMERFIELD ENCINITAS
Legal Tract	007705
Legal Block	4
Legal Lot Number	153
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4002
Census Tract	17403

Owner

303 Sprucewood Dr is owned and occupied by two individuals who bought it in September 2026.

Source: San Diego County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage RM FINANCIAL
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
May 12, 2020	Quit Claim Deed, Transfer PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.
May 12, 2020	Intrafamily Transfer, Transfer NORTH AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Prior Sale	Nov 19, 1997 · Amount on File
Deed Document Number	2026270991
Prior Transfer Date	May 9, 2020
Prior Transfer Doc	0000239510
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2026
Property Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132
Document Number	0000270991
Instrument Date	Aug 26, 2026
Instrument	2026270991
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132

Mortgage

Document Number	0000270992,
Date	Sep 16, 2026
Instrument	2026270992

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2026
Property Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132
Document Number	0000114715
Instrument Date	Apr 20, 2026
Instrument	2026114715
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2733 HATTERAS PL, DAVIS, CA 95616-2923

Mortgage

Document Number	0000114715,
Date	Apr 23, 2026
Instrument	2026114715

Lender

Name	RM FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132
Transaction Type	Mortgage
Record Updated	Jul 5, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2733 HATTERAS PL, DAVIS, CA 95616-2923

Mortgage

Document Number	0000167015
Date	Jun 27, 2023
Instrument	2023-0167015

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 26, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2020
Property Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132
Document Number	0000239510
Instrument Date	May 9, 2020
Instrument	239510
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 B ST #5368 DAVIS CA 956164653, 5368, DAVIS, CA 95616-4653

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2020
Property Address	303 SPRUCEWOOD DR, ENCINITAS, CA 92024-4132
Document Number	0000239509
Map Reference	MAP 7705
Instrument Date	Apr 23, 2020
Instrument	2020-0239509
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 B ST STE 5, 5, DAVIS, CA 95616-4678

Tax Assessment & Valuation

The 2025 property tax bill for 303 Sprucewood Dr was $4,475, up 4.7% from the year before.

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		$368,052 (+2%) Land $184,026 Building $184,026
2025	$4,475.00 (+4.73%) Homeowner's exemption	$360,836 Land $180,418 Building $180,418
2024	$4,273.00 (+3.56%)
2023	$4,126.00 (+2.92%) Homeowner's exemption	$346,826 Land $173,413 Building $173,413
2022	$4,009.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 303 Sprucewood Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 303 Sprucewood Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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	SAN DIEGUITO WD serves 40,405 people · EPA ID CA3710021
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2022
Lead	1 ppb (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 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, Ting, Verizon.

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