3103 Via de Caballo, Encinitas, CA 92024 Property Records

San Diego County property record for 3103 Via de Caballo, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,048 sqft · built 1980
Lot Size	0.4 acres (1,743 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (May 2019)
Tax Bill	$9,175 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`264-210-71-00`

Property Details

APN / Parcel Number

Primary APN	`264-210-71-00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,048 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	1,743 sqft (0.4 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3103 VIA DE CABALLO
City	ENCINITAS
State	CA
Zip	92024-6925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 141 UND INT IN LOTS 36&142&ALL OF TR 007060
Legal Subdivision	LAKE VALSERENO
Legal Tract	007060
Legal Block	1
Legal Lot Number	36
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1041
Census Tract	17111

Owner

Source: San Diego County records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit GEORGIAS OWN CU
Mar 3, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
May 31, 2019	Grant Deed, Transfer · Conventional with PMI WATERMARK CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Dec 27, 1984 · Amount on Record
Deed Document Number	2019210897
Last Transfer Date	Aug 22, 2025
Transfer Doc	0000239491
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	MONARCH TITLE/TX, MONARCH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000106396
Date	Apr 24, 2023
Instrument	2023-0106396

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30304

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000095230
Date	Mar 3, 2022
Instrument	2022-0095230

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000332841
Date	Apr 30, 2021
Instrument	2021-0332841

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000557314
Date	Sep 22, 2020
Instrument	2020-0557314

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 31, 2019
Property Address	3103 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Document Number	0000210897
Instrument Date	May 7, 2019
Instrument	210897
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$781.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3103 VIA DE CABALLO ENCINITAS CA 920246925, ENCINITAS, CA 92024-6925

Mortgage

Document Number	210898
Date	May 31, 2019
Instrument	210898

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$807,853 (+2%) Land $534,777 Building $273,076
2025	$9,175.00 (+7.73%)	$792,014 (+4.04%) Land $524,292 Building $267,722
2023	$8,517.00 (+0.52%)	$761,261 Land $503,934 Building $257,327
2022	$8,473.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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.

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