3120 Via de Caballo, Encinitas, CA 92024 Property Records

San Diego County property record for 3120 Via de Caballo, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,932 sqft · built 1974
Lot Size	0.41 acres (1,804 sqft)
Owner	Company Name on Record
Last Sale	$990,000 (Sep 2021)
Tax Bill	$11,799 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`264-210-11-00`

Property Details

APN / Parcel Number

Primary APN	`264-210-11-00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,932 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	1,804 sqft (0.41 acres)
Lot Dimensions	70 ft deep x 22 ft wide
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	3120 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 81 UND INT IN LOTS 36&142&ALL OF TR 007060
Legal Subdivision	LAKE VALSERENO
Legal Tract	007060
Legal Block	1
Legal Lot Number	36,81
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	Company Name on Record
Mailing Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Sep 8, 2021	Grant Deed, Transfer TICOR TITLE SAN DIEGO BRANCH
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Apr 1, 2020	Correction Deed · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jan 4, 2019	Grant Deed, Transfer · Conventional Mortgage COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2021 · Amount on Record
Deed Sale	Sep 8, 2021 · Amount on Record
Prior Sale	Jan 4, 2019 · Amount on Record
Deed Document Number	2021633834
Prior Transfer Date	Sep 14, 1993
Prior Transfer Doc	0000767188
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000499246
Date	Jul 13, 2021
Instrument	2021-0499246

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

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

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2021
Property Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Document Number	0000633834
Map Reference	MAP 7060
Instrument Date	Aug 19, 2021
Instrument	2021-0633834
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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	Family Trust
Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Investor	Possibly a Property Investor

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000375884
Date	Aug 30, 2019
Instrument	2019-0375884

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

April 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2020
Property Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Document Number	0000167591
Map Reference	MAP 7060
Instrument Date	Mar 24, 2020
Instrument	2020-0167591
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000167592
Date	Apr 1, 2020
Instrument	2020-0167592

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 4, 2019
Property Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925
Document Number	0000004073
Map Reference	MAP 7060
Instrument Date	Dec 3, 2018
Instrument	2019-0004073
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE RIVERSIDE

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	Joint Tenants
Address	3120 VIA DE CABALLO, ENCINITAS, CA 92024-6925

Mortgage

Document Number	0000004074
Date	Jan 4, 2019
Instrument	2019-0004074

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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		$1,071,604 (+2%) Land $774,853 Building $296,751
2025	$11,799.00 (+6.35%)	$1,050,593 (+4.04%) Land $759,660 Building $290,933
2023	$11,095.00 (+1.9%)	$1,009,799 Land $730,162 Building $279,637
2022	$10,888.00

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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