3106 Circa de Tierra, Encinitas, CA 92024 Property Records

San Diego County property record for 3106 Circa de Tierra, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,953 sqft · built 1981
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,650,000 (Jun 2023)
Tax Bill	$32,015 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`264-190-40-00`

Property Details

APN / Parcel Number

Primary APN	`264-190-40-00`
Alternative APN	`2641903400`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,953 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	2641903400
Street Address	3106 CIRCA DE TIERRA
City	ENCINITAS
State	CA
Zip	92024-6905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 1 TR PM08487
Legal Subdivision	LAKE VALE SERENO
Legal Tract	8487
Legal Block	1
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 28, 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	3106 CIRCA DE TIERRA, ENCINITAS, CA 92024-6905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Jul 31, 2020	Grant Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	2023161319
Prior Transfer Date	Nov 2, 2011
Prior Transfer Doc	0000598831
Record Updated	Oct 29, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 21, 2023
Property Address	3106 CIRCA DE TIERRA, ENCINITAS, CA 92024-6905
Document Number	0000161319
Map Reference	FILE 1979-89304
Instrument Date	Apr 28, 2023
Instrument	2023-0161319
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3106 CIRCA DE TIERRA, ENCINITAS, CA 92024-6905

Mortgage

Document Number	0000161320
Date	Jun 21, 2023
Instrument	2023-0161320

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3106 CIRCA DE TIERRA, ENCINITAS, CA 92024-6905
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 CIRCA DE TIERRA, ENCINITAS, CA 92024-6905

Mortgage

Document Number	0000226679
Date	Mar 23, 2021
Instrument	2021-0226679

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

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

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2020
Property Address	3106 CIRCA DE TIERRA, ENCINITAS, CA 92024-6905
Document Number	0000424124
Instrument Date	Jul 16, 2020
Instrument	424124
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3106 CIRCA DE ENCINITAS CA 92024, ENCINITAS, CA 92024

Mortgage

Document Number	424125
Date	Jul 31, 2020
Instrument	424125

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	770 TAMALPAIS DR # 207, CORTE MADERA, CA 94925-1736

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

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		$2,812,201 (+2%) Land $2,122,416 Building $689,785
2025	$32,015.00 (+74.78%)	$2,757,060 (+73.88%) Land $2,080,800 Building $676,260
2023	$18,317.00 (+1.01%) Homeowner's exemption	$1,585,569 (+2%) Land $1,040,400 Building $545,169
2022	$18,134.00 Homeowner's exemption	$1,554,480 Land $1,020,000 Building $534,480

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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Race Communications.

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