304 Calle de Sereno, Encinitas, CA 92024 Property Records

San Diego County property record for 304 Calle de Sereno, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,082 sqft · built 2003
Lot Size	0.234 acres (10,182 sqft)
Owner	Company Name on Record
Last Sale	$995,000 (Nov 2003)
Tax Bill	$15,805 (2025)
Deeds & Mortgages	Jul 2022 Transfer Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-253-42-00`

Property Details

APN / Parcel Number

Primary APN	`256-253-42-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,082 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	10,182 sqft (0.234 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	304 CALLE DE SERENO
City	ENCINITAS
State	CA
Zip	92024-2180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 1 TR 014326
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014326
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	17603

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	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Intrafamily Transfer, Transfer
Oct 27, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Nov 1, 2017	Deed of Trust, Mortgage · ARM PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2003 · Amount on Record
Deed Sale	Nov 7, 2003 · Amount on Record
Deed Document Number	20031354196
Last Transfer Date	Jul 6, 2022
Transfer Doc	0000287177
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2022
Property Address	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180
Document Number	0000287177
Map Reference	MAP 14326
Instrument Date	Jul 6, 2022
Instrument	2022-0287177
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180

Mortgage

Document Number	0000746366
Date	Oct 27, 2021
Instrument	2021-0746366

Lender

Name	PNC BANK NA
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 25, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180

Mortgage

Document Number	0000553975
Date	Aug 4, 2021
Instrument	2021-0553975

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	304 CALLE DE SERENO, ENCINITAS, CA 92024-2180
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000508906
Date	Nov 1, 2017
Instrument	2017-0508906

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

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		$1,442,815 (+2%) Land $609,089 Building $833,726
2025	$15,805.00 (+6.75%) Homeowner's exemption	$1,414,526 (+4.04%) Land $597,147 Building $817,379
2023	$14,806.00 (+2.26%) Homeowner's exemption	$1,359,600 Land $573,960 Building $785,640
2022	$14,479.00

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
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2006 · tidal / storm surge

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	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 426 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Ting.

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