San Diego County property record for 316 Cerro St, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1974 |
| Square Footage | 1,836 sqft Living Area |
| Lot Size | 7,900 sqft (0.181 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Tax Bill | $14,525.00 (2025) |
| Primary APN | 259-340-57-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,836 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Tile |
| Lot Area | 7,900 sqft (0.181 acres) |
| Lot Dimensions | 125 ft deep x 64 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport |
| Carport | Carport |
| View / Lot | Good |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 2593403200 |
|---|---|
| Street Address | 316 CERRO ST |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-4803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 111 (EX ST OP) TR 007299 |
| Legal Subdivision | EMERALD CLASSIC |
| Legal Tract | 007299 |
| Legal Block | 4 |
| Legal Lot Number | 111 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 17403 |
Source: San Diego County records · APN 259-340-57-00
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 02, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ALAMEDA MORTGAGE CORP |
| Mar 01, 2024 | Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU |
| Jan 23, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 22, 2024 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 28, 2023 | Grant Deed, Transfer · Commercial Mortgage VONTIVE INC |
| Sep 26, 2023 | Grant Deed, Transfer TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Jun 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 16, 2021 | Intrafamily Transfer, Transfer |
| Jan 15, 2021 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 22, 2024 |
| Deed Sale | Jan 22, 2024 |
| Prior Sale | Sep 28, 2023 · Amount on Record |
| Deed Document Number | 202417584 |
| Prior Transfer Date | Jan 15, 2024 |
| Prior Transfer Doc | 0000018755 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000029163 |
|---|---|
| Date | Feb 02, 2026 |
| Instrument | 2026-0029163 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 14, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | HOME TITLE AND ESCROW, HOMELIGHT TITLE & ESCROW CO |
| Name | Verified Name |
|---|---|
| Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000323770 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025-0323770 |
| Name | ALAMEDA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WALNUT CREEK, CA 94596 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000052555 |
|---|---|
| Date | Mar 01, 2024 |
| Instrument | 2024-0052555 |
| Name | CALIFORNIA COAST CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92150 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 23, 2024 |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000018755 |
| Map Reference | MAP 7299 |
| Instrument Date | Jan 15, 2024 |
| Instrument | 2024-0018755 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 22, 2024 |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000017584 |
| Map Reference | MAP 7299 |
| Instrument Date | Jan 15, 2024 |
| Instrument | 2024-0017584 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 990 HIGHLAND DR, SOLANA BEACH, CA 92075-2408 |
| Document Number | 0000017585 |
|---|---|
| Date | Jan 22, 2024 |
| Instrument | 2024-0017585 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 28, 2023 |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000263745 |
| Map Reference | MAP 7299 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023-0263745 |
| Transaction Type | Transfer |
| Record Updated | Oct 09, 2023 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4624 51ST ST, SAN DIEGO, CA 92115-3403 |
| Document Number | 0000263746 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 2023-0263746 |
| Name | VONTIVE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Oct 01, 2024 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 26, 2023 |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000260588 |
| Map Reference | MAP 7299 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 2023-0260588 |
| Transaction Type | Transfer |
| Record Updated | Oct 05, 2023 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6523 S COLLEGE AVE, TEMPE, AZ 85283-3614 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000212115 |
|---|---|
| Date | Jun 03, 2019 |
| Instrument | 2019-0212115 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 16, 2021 |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000201979 |
| Map Reference | MAP 7299 |
| Instrument Date | Feb 05, 2021 |
| Instrument | 2021-0201979 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 990 HIGHLAND DR STE 300, 300, SOLANA BEACH, CA 92075-2438 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 15, 2021 |
| Property Address | 316 CERRO ST, ENCINITAS, CA 92024-4803 |
| Document Number | 0000033745 |
| Instrument Date | Nov 05, 2020 |
| Instrument | 33745 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,308.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 990 HIGHLAND DR #300 ESCONDIDO CA 92027, 300, ESCONDIDO, CA 92027 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,310,904 (+2%) Land $1,040,400 Building $270,504 | |
| 2025 | $14,525.00 (+6.62%) | $1,285,200 (+3.89%) Land $1,020,000 Building $265,200 |
| 2023 | $13,623.00 (+2.27%) | $1,237,035 Land $977,976 Building $259,059 |
| 2022 | $13,321.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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