3133 Caminito Ricardo, Encinitas, CA 92024 Property Records

San Diego County property record for 3133 Caminito Ricardo, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,436 sqft · built 1987
Lot Size	1.18 acres (51,401 sqft)
Owner	Company Name on Record
Last Sale	$980,000 (Sep 2000)
Tax Bill	$16,782 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`264-162-35-00`

Property Details

APN / Parcel Number

Primary APN	`264-162-35-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,436 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Roof Material	Tile
Lot Area	51,401 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3133 CAMINITO RICARDO
City	ENCINITAS
State	CA
Zip	92024-7004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 37 TR 009051
Legal Subdivision	ENCINITAS 3494-1
Legal Tract	009051
Legal Block	2
Legal Lot Number	37
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
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	3133 CAMINITO RICARDO, ENCINITAS, CA 92024-7004
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 2, 2018	Deed of Trust, Mortgage · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2000 · Amount on Record
Deed Sale	Sep 28, 2000 · Amount on Record
Prior Sale	Sep 25, 1987 · Amount on Record
Deed Document Number	2000518747
Last Transfer Date	Apr 12, 2005
Transfer Doc	0000318446
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3133 CAMINITO RICARDO, ENCINITAS, CA 92024-7004
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3133 CAMINITO RICARDO, ENCINITAS, CA 92024-7004

Mortgage

Document Number	0000430642
Date	Jun 10, 2021
Instrument	2021-0430642

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3133 CAMINITO RICARDO, ENCINITAS, CA 92024-7004
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128036
Date	Apr 2, 2018
Instrument	2018-0128036

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3133 CAMINITO RICARDO, ENCINITAS, CA 92024-7004
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128035
Date	Apr 2, 2018
Instrument	2018-0128035

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	9%

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		$1,506,224 (+2%) Land $737,741 Building $768,483
2025	$16,782.00 (+6.44%) Homeowner's exemption	$1,476,691 (+4.04%) Land $723,276 Building $753,415
2023	$15,767.00 (+1.23%) Homeowner's exemption	$1,419,352 Land $695,192 Building $724,160
2022	$15,575.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · rainfall accumulation

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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